PackageTrendsPeer
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American State Bank

Newcastle, NE · Cert 14542

FDIC

Q2 1996

$12.0MAssets
$4.0MLoans
$9.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.53%, up 3 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 39.95% of deposits as of Q2 1996.

Return on Assets (YTD, annualized)

1.53%+3 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 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996YoY ΔTrend
Earnings
Return on Assets1.49%1.17%0.29%1.50%1.55%1.54%1.73%1.53%+3 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)n/an/a5.57%3.70%2.58%6.26%4.29%7.99%+428 bps
Loan Growth (YoY)n/an/a4.75%2.09%2.69%7.22%-2.61%1.59%-50 bps
Deposit Growth (YoY)n/an/a6.36%3.63%2.20%6.10%3.44%8.47%+485 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 / Deposits45.17%42.00%42.52%42.65%45.39%42.44%40.03%39.95%-271 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