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Security Bank of America

Mountain Grove, MO · Cert 14997

FDIC

Q3 1999

$129.4MAssets
$69.8MLoans
$112.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.68%, up 36 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 61.94% of deposits as of Q3 1999.

Return on Assets (YTD, annualized)

1.68%+36 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.

MetricQ4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets1.44%1.17%1.34%1.31%1.36%1.57%1.60%1.68%+36 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)2.49%18.37%14.49%18.15%289%229%242%235%+21,709 bps
Loan Growth (YoY)1.44%7.13%13.44%20.09%225%203%196.01%181.33%+16,124 bps
Deposit Growth (YoY)2.30%20.08%15.66%19.04%282%219%235%225%+20,609 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 / Deposits72.58%63.61%71.12%71.58%61.63%60.27%62.92%61.94%-964 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