PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Smith County Bank

Taylorsville, MS · Cert 10585

FDIC

Q4 1997

$93.9MAssets
$43.6MLoans
$83.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.87%, up 13 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 51.94% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

0.87%+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.

MetricQ1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets0.70%0.77%0.83%0.74%0.80%0.92%0.90%0.87%+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)8.04%4.72%5.21%3.27%1.21%1.52%1.04%-0.36%-363 bps
Loan Growth (YoY)-2.62%-2.93%-3.27%1.51%3.45%5.07%3.68%-1.76%-327 bps
Deposit Growth (YoY)8.30%4.52%4.99%2.77%0.66%0.84%0.30%-1.36%-413 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 / Deposits49.55%49.72%49.41%52.15%50.92%51.81%51.07%51.94%-21 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