PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First NB&T Co. in Aurora

Aurora, NE · Cert 13943

FDIC

Q1 2000

$95.3MAssets
$54.7MLoans
$82.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 2.16%, down 2 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 66.48% of deposits as of Q1 2000.

Return on Assets (YTD, annualized)

2.16%-2 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 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000YoY ΔTrend
Earnings
Return on Assets2.37%2.29%2.33%2.18%2.16%2.20%2.23%2.16%-2 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)0.06%2.84%4.05%9.35%8.07%6.59%-1.28%-2.46%-1,181 bps
Loan Growth (YoY)17.06%14.43%6.26%-1.36%1.38%4.09%4.93%12.74%+1,410 bps
Deposit Growth (YoY)3.86%4.91%5.64%9.07%4.28%-0.76%0.14%-0.23%-930 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 / Deposits66.12%69.78%64.00%58.84%64.29%73.20%67.07%66.48%+765 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