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Arlington State Bank

Arlington, NE · Cert 1431

FDIC

Q4 1996

$37.8MAssets
$25.6MLoans
$33.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.46%, up 20 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 77.23% of deposits as of Q4 1996.

Return on Assets (YTD, annualized)

1.46%+20 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 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets1.10%1.07%1.19%1.27%1.63%1.64%1.74%1.46%+20 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)7.94%8.89%3.86%6.81%6.13%3.72%7.70%5.08%-173 bps
Loan Growth (YoY)6.03%6.96%3.94%7.08%8.95%8.02%8.91%8.99%+191 bps
Deposit Growth (YoY)7.61%11.97%8.64%8.99%5.31%2.57%6.86%3.70%-529 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 / Deposits70.54%71.85%75.00%73.47%72.98%75.66%76.44%77.23%+375 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