PackageTrendsPeer
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Etowah Bank

Canton, GA · Cert 10071

FDIC

Q1 1999

$417.5MAssets
$236.0MLoans
$362.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.33%, down 20 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 65.15% of deposits as of Q1 1999.

Return on Assets (YTD, annualized)

1.33%-20 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.

MetricQ2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999YoY ΔTrend
Earnings
Return on Assets1.26%1.36%1.31%1.53%1.57%1.60%0.25%1.33%-20 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)18.96%15.80%14.48%9.12%11.31%4.39%-1.83%2.59%-653 bps
Loan Growth (YoY)27.64%22.69%13.01%21.46%14.73%3.17%1.32%-12.59%-3,405 bps
Deposit Growth (YoY)17.55%14.52%13.34%6.98%11.11%4.79%-1.21%4.19%-279 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 / Deposits73.97%75.65%67.78%77.65%76.38%74.48%69.52%65.15%-1,251 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