PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Craig

Craig, MO · Cert 1153

FDIC

Q1 1999

$8.3MAssets
$5.5MLoans
$7.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -0.14%, up 26 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 72.83% of deposits as of Q1 1999.

Return on Assets (YTD, annualized)

-0.14%+26 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.

MetricQ2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999YoY ΔTrend
Earnings
Return on Assets0.58%0.39%0.38%-0.40%0.71%0.00%0.35%-0.14%+26 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)0.78%-2.49%2.16%2.93%-3.09%-2.40%-6.60%-5.59%-852 bps
Loan Growth (YoY)10.05%7.17%8.32%-0.92%-3.87%-4.59%-2.48%2.03%+296 bps
Deposit Growth (YoY)2.77%5.13%2.02%2.75%-4.09%-2.72%-9.62%-6.39%-915 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 / Deposits76.98%80.01%72.99%66.82%77.16%78.47%78.76%72.83%+601 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