PackageTrendsPeer
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Home State Bank

Hobart, OK · Cert 10676

FDIC

Q2 1998

$40.5MAssets
$19.2MLoans
$35.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.22%, down 174 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 53.70% of deposits as of Q2 1998.

Return on Assets (YTD, annualized)

0.22%-174 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.

MetricQ3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998YoY ΔTrend
Earnings
Return on Assets1.23%1.07%1.48%1.96%1.76%1.74%1.46%0.22%-174 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)3.72%1.32%0.97%1.49%3.02%3.31%4.46%1.67%+18 bps
Loan Growth (YoY)1.66%5.73%5.41%4.05%4.97%7.07%2.59%-5.93%-998 bps
Deposit Growth (YoY)2.84%0.24%-0.07%-0.07%1.50%1.63%2.76%2.39%+246 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 / Deposits55.27%58.49%56.82%58.45%57.17%61.62%56.73%53.70%-475 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