PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Laurel Bank

Ebensburg, PA · Cert 7482

FDIC

Q3 1997

$233.5MAssets
$184.1MLoans
$200.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.34%, down 5 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 92.03% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

1.34%-5 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.

MetricQ4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets1.33%1.41%1.36%1.38%1.41%1.22%1.27%1.34%-5 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)0.27%0.45%1.61%0.67%0.23%-0.74%-1.12%0.76%+9 bps
Loan Growth (YoY)0.12%-0.60%0.36%-0.85%0.52%5.28%8.55%10.15%+1,100 bps
Deposit Growth (YoY)0.28%-0.23%0.36%-0.48%-0.40%-1.87%-1.50%-0.92%-44 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 / Deposits84.82%81.67%81.04%82.78%85.60%87.62%89.31%92.03%+924 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