PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

General Teamsters 397

Erie, PA · Charter 9239

Q4 1997

$267KAssets
$280KLoans
$190KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -7.02%, down 218 bps year over year.
  • Asset quality: problem loans at 13.38% of loans (-443 bps YoY).
  • Funding: loans stand at 147.26% of shares as of Q4 1997.

Return on Assets (YTD, annualized)

-7.02%-218 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 Assets2.45%2.48%2.23%-4.83%2.66%3.49%1.50%-7.02%-218 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/a8.67%-13.84%-23.70%-42.03%n/a
Loan Growth (YoY)n/an/an/an/a-5.35%-20.31%-21.89%-21.96%n/a
Share Growth (YoY)n/an/an/an/a-10.89%-22.05%-36.23%-41.04%n/a
Asset Quality
Delinquent Loans / Loans26.37%23.69%25.12%17.80%17.53%8.02%8.05%13.38%-443 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans9.44%9.32%9.62%17.80%17.90%6.08%7.75%16.12%-168 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 / Shares101.25%110.32%109.20%111.27%107.54%112.78%133.75%147.26%+3,599 bps
Liquid Assets / Assets4.55%1.13%1.93%1.13%1.05%2.65%1.72%1.79%+66 bps