PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Nashua State Bank

Nashua, IA · Cert 14450

FDIC

Q1 1999

$47.4MAssets
$11.5MLoans
$38.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.85%, up 85 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 30.11% of deposits as of Q1 1999.

Return on Assets (YTD, annualized)

1.85%+85 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 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999YoY ΔTrend
Earnings
Return on Assets1.47%1.46%0.83%1.00%1.24%1.08%0.93%1.85%+85 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)3.81%-4.92%-5.65%-6.19%-5.00%0.93%5.72%5.48%+1,167 bps
Loan Growth (YoY)11.79%7.42%1.87%3.12%-0.83%-3.83%-2.27%-2.93%-605 bps
Deposit Growth (YoY)3.46%-7.24%-7.92%-8.45%-6.74%0.48%6.00%5.60%+1,404 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 / Deposits30.16%33.82%32.35%32.76%32.07%32.37%29.83%30.11%-265 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