PackageTrendsPeer
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Bank of Stapleton

Stapleton, GA · Cert 10067

FDIC

Q4 1996

$15.2MAssets
$2.3MLoans
$12.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -0.48%, down 147 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 17.86% of deposits as of Q4 1996.

Return on Assets (YTD, annualized)

-0.48%-147 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.

MetricQ1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets1.07%0.93%0.95%0.99%-0.37%0.30%0.46%-0.48%-147 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)-11.04%-9.22%-3.62%-1.05%6.49%5.41%3.93%0.85%+190 bps
Loan Growth (YoY)5.94%2.57%10.00%7.23%-2.78%0.08%-7.35%-18.33%-2,556 bps
Deposit Growth (YoY)-13.52%-11.52%-5.13%-2.25%7.15%5.96%4.45%2.32%+458 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 / Deposits21.96%21.59%22.59%22.38%19.93%20.39%20.04%17.86%-452 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