PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Banterra Bank of Vienna

Vienna, IL · Cert 14244

FDIC

Q2 1998

$84.2MAssets
$55.8MLoans
$77.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.32%, up 12 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 72.20% of deposits as of Q2 1998.

Return on Assets (YTD, annualized)

0.32%+12 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.

MetricQ3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998YoY ΔTrend
Earnings
Return on Assets1.09%0.97%0.01%0.21%0.25%0.32%0.27%0.32%+12 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)11.32%16.57%25.63%23.19%26.49%19.08%15.75%14.70%-849 bps
Loan Growth (YoY)2.44%3.12%8.75%11.23%30.11%32.23%30.70%27.95%+1,672 bps
Deposit Growth (YoY)11.48%17.47%28.12%25.24%28.57%19.84%16.64%15.69%-956 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 / Deposits70.42%66.80%62.59%65.28%71.26%73.70%70.14%72.20%+692 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