PackageTrendsPeer
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Richmond Bank

Richmond, IL · Cert 10461

FDIC

Q3 2000

$69.0MAssets
$41.1MLoans
$56.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -0.07%, up 13 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 73.43% of deposits as of Q3 2000.

Return on Assets (YTD, annualized)

-0.07%+13 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 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000YoY ΔTrend
Earnings
Return on Assets-0.10%-0.35%-0.22%-0.20%-0.03%0.11%0.11%-0.07%+13 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)-10.80%-13.24%-17.14%-9.63%-4.26%-4.72%-4.71%-10.17%-54 bps
Loan Growth (YoY)-14.49%-11.97%-11.17%-1.41%-0.68%4.19%0.87%-2.24%-83 bps
Deposit Growth (YoY)-12.62%-15.31%-20.48%-13.97%-13.19%-13.34%-8.55%-8.95%+502 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 / Deposits61.67%62.69%65.57%68.39%70.57%75.37%72.33%73.43%+504 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