PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Consolidated State Bank

Hill City, KS · Cert 14745

FDIC

Q4 1999

$39.3MAssets
$29.8MLoans
$35.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.70%, down 2 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 84.62% of deposits as of Q4 1999.

Return on Assets (YTD, annualized)

1.70%-2 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 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets2.38%2.34%2.46%1.72%1.83%1.86%1.71%1.70%-2 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)9.52%8.54%21.96%22.68%10.36%3.66%-10.97%-12.18%-3,486 bps
Loan Growth (YoY)29.65%16.37%22.64%16.74%8.72%8.52%5.08%0.26%-1,648 bps
Deposit Growth (YoY)9.92%18.20%38.04%24.37%6.03%3.56%-15.43%-12.88%-3,725 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 / Deposits79.55%78.87%72.86%73.53%81.56%82.65%90.53%84.62%+1,109 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