PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Holyoke Municipal Employees

Holyoke, MA · Charter 67654

Q4 1996

$24.6MAssets
$16.6MLoans
$21.9MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.28%, up 154 bps year over year.
  • Asset quality: problem loans at 0.61% of loans (+10 bps YoY).
  • Funding: loans stand at 75.85% of shares as of Q4 1996.

Return on Assets (quarter, annualized)

4.28%+154 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 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets2.56%2.75%3.34%3.61%4.05%4.28%+154 bps
Return on Equityn/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a39.45%42.45%n/a
Loan Growth (YoY)n/an/an/an/a69.93%55.01%n/a
Share Growth (YoY)n/an/an/an/a41.08%42.19%n/a
Asset Quality
Delinquent Loans / Loans0.48%0.51%0.11%0.78%0.63%0.61%+10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans0.80%0.76%0.77%1.05%1.07%1.07%+31 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares56.21%69.57%65.03%70.97%67.71%75.85%+627 bps
Liquid Assets / Assets22.53%16.44%19.41%19.38%17.59%15.89%-56 bps