PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Commercial T&SB

Mitchell, SD · Cert 1129

FDIC

Q3 1999

$173.8MAssets
$108.9MLoans
$149.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.50%, up 6 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 73.01% of deposits as of Q3 1999.

Return on Assets (YTD, annualized)

1.50%+6 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 Assets1.38%1.33%1.39%1.44%1.40%1.45%1.35%1.50%+6 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)6.95%1.36%1.46%-2.47%-0.66%-2.39%-0.54%0.72%+318 bps
Loan Growth (YoY)6.96%4.35%2.18%-2.18%-8.73%-8.66%-8.17%-6.93%-475 bps
Deposit Growth (YoY)6.42%-1.21%-1.33%-1.52%-1.83%-2.58%-0.17%0.90%+242 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 / Deposits79.14%76.70%78.87%79.15%73.58%71.91%72.55%73.01%-614 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