PackageTrendsPeer
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First NB of Magnolia

Magnolia, AR · Cert 14336

FDIC

Q2 2000

$216.9MAssets
$120.6MLoans
$192.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.36%, up 2 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 62.76% of deposits as of Q2 2000.

Return on Assets (YTD, annualized)

1.36%+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.

MetricQ3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000YoY ΔTrend
Earnings
Return on Assets1.55%1.65%1.30%1.34%1.34%1.34%1.31%1.36%+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)3.50%8.44%5.05%3.21%0.20%-5.53%-4.67%-4.79%-801 bps
Loan Growth (YoY)8.51%4.76%2.30%-0.50%0.86%2.25%0.09%4.44%+494 bps
Deposit Growth (YoY)3.61%9.37%4.57%3.97%-0.21%-6.41%-4.80%-6.25%-1,022 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 / Deposits57.94%54.75%56.84%56.34%58.57%59.81%59.76%62.76%+642 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