PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Baltimore Navistar

Baltimore, MD · Charter 95733

Q4 1997

$106KAssets
$32KLoans
$97KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 2.61%, down 83 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 32.95% of shares as of Q4 1997.

Return on Assets (YTD, annualized)

2.61%-83 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 Assets2.85%3.77%2.33%3.44%1.74%1.96%1.50%2.61%-83 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-6.68%-7.49%-17.49%-8.07%n/a
Loan Growth (YoY)n/an/an/an/a-40.33%-41.97%-35.17%-33.97%n/a
Share Growth (YoY)n/an/an/an/a-7.29%-8.43%-17.99%-9.82%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%3.52%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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%2.39%0.00%0 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 / Shares48.46%50.18%42.82%44.99%31.19%31.80%33.85%32.95%-1,205 bps
Liquid Assets / Assets24.83%25.68%24.87%28.43%46.04%47.52%51.59%53.31%+2,488 bps