PackageTrendsPeer
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Sinval Ridgway

Ridgway, PA · Charter 9796

Q4 1996

$419KAssets
$189KLoans
$361KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.45%, down 26 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-599 bps YoY).
  • Funding: loans stand at 52.31% of shares as of Q4 1996.

Return on Assets (YTD, annualized)

3.45%-26 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 1996YoY ΔTrend
Earnings
Return on Assets3.51%3.71%4.84%2.78%1.68%3.45%-26 bps
Return on Equityn/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a7.34%3.32%n/a
Loan Growth (YoY)n/an/an/an/a36.87%40.01%n/a
Share Growth (YoY)n/an/an/an/a8.12%3.89%n/a
Asset Quality
Delinquent Loans / Loans6.83%5.99%0.00%1.48%0.00%0.00%-599 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans2.43%2.42%1.66%1.81%4.48%4.37%+195 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares39.26%38.81%55.77%47.97%49.71%52.31%+1,349 bps
Liquid Assets / Assets47.54%46.24%34.69%32.66%45.19%45.74%-50 bps