PackageTrendsPeer
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Cosco East

Miami, FL · Charter 7185

Q2 1997

$766KAssets
$436KLoans
$563KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 2.63%, down 21 bps year over year.
  • Asset quality: problem loans at 0.16% of loans (+13 bps YoY).
  • Funding: loans stand at 77.50% of shares as of Q2 1997.

Return on Assets (quarter, annualized)

2.63%-21 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 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.13%3.20%2.84%3.13%2.84%3.32%2.63%-21 bps
Return on Equityn/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-11.92%-23.96%-34.09%n/a
Loan Growth (YoY)n/an/an/an/a-24.05%-31.92%-19.90%n/a
Share Growth (YoY)n/an/an/an/a-15.35%-29.05%-41.87%n/a
Asset Quality
Delinquent Loans / Loans0.46%0.11%0.03%0.03%0.08%0.04%0.16%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/a
Allowance / Loans1.25%1.20%1.54%0.92%1.14%1.24%1.36%-18 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares54.17%55.06%56.23%58.71%48.60%52.83%77.50%+2,126 bps
Liquid Assets / Assets48.83%47.18%44.66%44.61%53.66%52.87%39.06%-560 bps