PackageTrendsPeer
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Aerotred

Lewiston, ME · Charter 9010

Q2 1996

$9.0MAssets
$7.5MLoans
$8.0MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.98%, up 52 bps year over year.
  • Asset quality: problem loans at 1.16% of loans (-68 bps YoY).
  • Funding: loans stand at 93.61% of shares as of Q2 1996.

Return on Assets (quarter, annualized)

4.98%+52 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 Assets4.45%4.04%4.38%5.15%4.98%+52 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/a25.26%n/an/a
Loan Growth (YoY)n/an/an/an/a32.53%n/an/a
Share Growth (YoY)n/an/an/an/a25.14%n/an/a
Asset Quality
Delinquent Loans / Loans1.84%2.16%1.43%0.92%1.16%-68 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.18%1.69%1.69%1.31%1.33%-85 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 / Shares88.39%95.43%91.10%86.98%93.61%+522 bps
Liquid Assets / Assets13.16%10.47%9.44%18.18%15.99%+283 bps