PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First America Bank-Indiana

Speedway, IN · Cert 13100

FDIC

Q1 1997

$1.3BAssets
$999.3MLoans
$1.0BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.98%, up 7 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 97.33% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

0.98%+7 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 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets0.99%1.01%1.16%0.90%0.91%0.79%0.84%0.98%+7 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)29.26%23.70%18.81%14.55%-8.45%-8.34%-9.75%-8.50%-2,305 bps
Loan Growth (YoY)33.59%26.88%19.58%14.69%-5.78%-7.17%-5.75%-4.68%-1,937 bps
Deposit Growth (YoY)18.38%14.39%16.33%16.32%-7.90%-8.31%-8.55%-3.17%-1,949 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 / Deposits95.43%96.75%89.92%98.87%97.63%97.96%92.67%97.33%-154 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