PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First State Bank

Lodgepole, NE · Cert 14656

FDIC

Q1 1997

$12.0MAssets
$2.5MLoans
$9.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 4.18%, up 485 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 27.18% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

4.18%+485 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 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets2.41%2.73%0.68%-0.67%0.10%1.26%0.90%4.18%+485 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)-7.00%-4.40%-0.70%-4.31%-4.84%-4.14%-4.00%-4.05%+26 bps
Loan Growth (YoY)7.77%7.29%-0.56%-8.15%-7.88%-7.79%1.66%-6.48%+166 bps
Deposit Growth (YoY)-10.04%-7.15%-0.99%-5.87%-4.99%-4.55%-6.23%-6.67%-80 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 / Deposits31.61%33.17%28.79%27.13%30.64%32.04%31.21%27.18%+5 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