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Letter portraitLegal landscapeQuarterYTD

Liberty NB&T Co. of Indiana

Charlestown, IN · Cert 14549

FDIC

Q4 1995

$330.5MAssets
$132.6MLoans
$299.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.31%, up 74 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 44.32% of deposits as of Q4 1995.

Return on Assets (YTD, annualized)

1.31%+74 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 1994Q2 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets1.00%0.94%0.78%0.57%1.37%1.29%1.31%1.31%+74 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/an/an/a4.69%7.99%8.12%2.64%n/a
Loan Growth (YoY)n/an/an/an/a41.00%36.37%31.35%-24.00%n/a
Deposit Growth (YoY)n/an/an/an/a1.89%2.41%5.06%1.54%n/a
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 / Deposits58.27%58.23%58.35%59.22%80.64%77.54%72.95%44.32%-1,490 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