PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens NB of Linton

Linton, IN · Cert 14734

FDIC

Q2 1996

$63.7MAssets
$32.6MLoans
$55.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.50%, up 10 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 58.56% of deposits as of Q2 1996.

Return on Assets (YTD, annualized)

1.50%+10 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 Assets1.21%1.26%1.39%1.40%1.37%1.41%1.46%1.50%+10 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/a-2.75%-0.95%-3.21%0.19%10.66%7.61%+856 bps
Loan Growth (YoY)n/an/a17.11%-1.02%2.80%0.57%2.90%-13.62%-1,259 bps
Deposit Growth (YoY)n/an/a-3.73%-2.18%-6.24%-2.93%10.61%7.62%+981 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 / Deposits70.72%71.79%74.69%72.96%77.54%74.37%69.48%58.56%-1,440 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