PackageTrendsPeer
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Bank One Youngstown NA

Youngstown, OH · Cert 6738

FDIC

Q1 1997

$1.3BAssets
$810.4MLoans
$884.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.60%, up 22 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 91.60% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

1.60%+22 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets1.64%1.77%1.81%1.38%1.55%1.73%1.79%1.60%+22 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-5.57%-3.09%4.47%4.67%2.14%3.46%1.33%6.78%+211 bps
Loan Growth (YoY)0.73%0.83%8.43%5.54%4.49%-1.12%0.74%-3.21%-874 bps
Deposit Growth (YoY)0.94%0.18%0.85%2.53%1.22%2.51%1.39%-0.15%-268 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits92.05%96.61%96.23%94.49%95.03%93.20%95.61%91.60%-289 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a