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St. Paul Medical Center

Dallas, TX · Charter 67650

Q2 1996

$1.5MAssets
$1.1MLoans
$1.3MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 2.43%, up 47 bps year over year.
  • Asset quality: problem loans at 4.93% of loans (+137 bps YoY).
  • Funding: loans stand at 86.11% of shares as of Q2 1996.

Return on Assets (quarter, annualized)

2.43%+47 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets1.96%2.66%0.43%1.65%2.43%+47 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-17.89%n/an/a
Loan Growth (YoY)n/an/an/an/a88.67%n/an/a
Share Growth (YoY)n/an/an/an/a-20.10%n/an/a
Asset Quality
Delinquent Loans / Loans3.55%0.00%0.02%0.40%4.93%+137 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.30%1.16%2.48%2.59%3.39%-191 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares36.46%54.57%84.97%96.02%86.11%+4,964 bps
Liquid Assets / Assets15.33%17.44%4.31%19.05%1.64%-1,369 bps