PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Evansville

Evansville, IL · Cert 12108

FDIC

Q4 1998

$7.5MAssets
$3.3MLoans
$6.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.71%, down 11 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 53.26% of deposits as of Q4 1998.

Return on Assets (YTD, annualized)

0.71%-11 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 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets0.92%0.99%0.96%0.82%0.67%0.70%0.72%0.71%-11 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)13.39%13.45%-1.62%4.38%-10.02%4.11%-2.28%4.73%+34 bps
Loan Growth (YoY)4.68%1.47%4.27%2.30%-2.41%-0.03%0.37%6.15%+385 bps
Deposit Growth (YoY)13.63%13.63%-3.16%3.70%-12.08%-2.72%-10.26%-2.76%-647 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 / Deposits44.45%44.88%48.75%48.79%49.33%46.12%54.53%53.26%+447 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