PackageTrendsPeer
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Sunburst Bank

Grenada, MS · Cert 12442

FDIC

Q4 1997

$510.1MAssets
$358.3MLoans
$460.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.62%, up 27 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 77.74% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

1.62%+27 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 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets1.39%1.50%1.29%1.35%1.61%1.62%1.68%1.62%+27 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)-69.62%-68.12%-4.83%-12.79%-14.20%-15.26%-13.92%-5.67%+712 bps
Loan Growth (YoY)-70.38%-70.81%1.66%-6.20%-10.25%-9.22%-11.71%-8.77%-257 bps
Deposit Growth (YoY)-70.26%-70.05%2.00%-10.10%-10.07%-9.69%-9.70%2.04%+1,213 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 / Deposits82.27%82.56%84.48%86.95%82.11%83.00%82.60%77.74%-921 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