PackageTrendsPeer
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Eaton Corporation Gallatin

Gallatin, TN · Charter 68118

Q4 1997

$1.7MAssets
$1.4MLoans
$1.4MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 2.13%, down 52 bps year over year.
  • Asset quality: problem loans at 1.22% of loans (+103 bps YoY).
  • Funding: loans stand at 98.79% of shares as of Q4 1997.

Return on Assets (YTD, annualized)

2.13%-52 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets1.76%2.39%2.24%2.65%2.61%2.54%2.06%2.13%-52 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
Growth
Asset Growth (YoY)n/an/an/an/a-10.56%-8.47%-13.51%-5.23%n/a
Loan Growth (YoY)n/an/an/an/a29.28%13.55%-8.32%-8.38%n/a
Share Growth (YoY)n/an/an/an/a-13.93%-10.71%-16.57%-8.32%n/a
Asset Quality
Delinquent Loans / Loans0.94%0.30%0.30%0.19%1.08%0.67%0.38%1.22%+103 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.71%0.77%0.89%1.02%0.96%1.21%0.99%0.93%-9 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares65.87%71.76%88.93%98.85%98.94%91.25%97.72%98.79%-6 bps
Liquid Assets / Assets36.69%33.41%19.28%10.49%10.85%16.57%13.96%10.93%+45 bps