PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank

Worland, WY · Cert 1172

FDIC

Q1 1998

$88.7MAssets
$37.5MLoans
$80.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.08%, down 10 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 46.89% of deposits as of Q1 1998.

Return on Assets (YTD, annualized)

1.08%-10 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 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998YoY ΔTrend
Earnings
Return on Assets1.05%1.19%1.20%1.18%1.21%1.18%1.25%1.08%-10 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)2.64%5.54%7.84%2.51%2.00%0.73%-4.99%-2.83%-534 bps
Loan Growth (YoY)11.34%7.90%6.31%1.03%-4.44%-1.61%-2.52%0.32%-70 bps
Deposit Growth (YoY)4.24%6.32%9.00%3.13%0.06%0.39%-3.60%-1.76%-489 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 / Deposits50.35%47.56%44.26%45.92%48.09%46.61%44.75%46.89%+97 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