PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Southwest Bank

Washington, IN · Cert 10099

FDIC

Q3 1999

$219.8MAssets
$145.5MLoans
$191.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.27%, up 8 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 75.93% of deposits as of Q3 1999.

Return on Assets (YTD, annualized)

1.27%+8 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.

MetricQ4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets1.09%1.21%1.20%1.19%1.23%1.24%1.35%1.27%+8 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)4.90%3.34%4.82%5.73%5.54%7.11%3.43%1.93%-380 bps
Loan Growth (YoY)4.63%3.46%6.73%14.36%6.01%10.37%8.72%1.41%-1,295 bps
Deposit Growth (YoY)0.25%-0.03%9.86%7.38%5.14%5.85%3.22%4.33%-305 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 / Deposits72.53%73.88%73.45%78.11%73.13%77.04%77.37%75.93%-218 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