PackageTrendsPeer
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Twin City Bank

North Little Roc, AR · Cert 15086

FDIC

Q4 1999

$1.6BAssets
$1.1BLoans
$1.4BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.83%, down 44 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 75.30% of deposits as of Q4 1999.

Return on Assets (YTD, annualized)

0.83%-44 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 Assets1.26%1.10%1.20%1.27%1.60%1.54%0.86%0.83%-44 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)-4.75%45.16%41.42%44.78%40.18%1.67%-1.91%-10.41%-5,519 bps
Loan Growth (YoY)6.12%49.88%50.85%51.83%43.82%0.34%1.40%-10.70%-6,254 bps
Deposit Growth (YoY)-2.02%36.15%35.01%36.68%36.16%6.11%-6.12%-6.54%-4,322 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 / Deposits71.40%75.76%77.92%78.81%75.42%71.64%84.16%75.30%-351 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