PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First NB of Moline

Moline, IL · Cert 15095

FDIC

Q4 1997

$159.6MAssets
$112.7MLoans
$134.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.33%, down 31 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 84.01% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

1.33%-31 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 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets1.26%1.28%1.34%1.64%1.50%1.54%1.35%1.33%-31 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)-4.04%-1.93%-2.69%-2.91%-4.33%-6.17%-6.21%-8.85%-593 bps
Loan Growth (YoY)-8.60%-0.93%1.30%0.77%3.90%5.39%5.39%0.57%-20 bps
Deposit Growth (YoY)-5.15%-2.54%-3.43%-4.01%-6.49%-8.08%-8.49%-9.79%-578 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 / Deposits70.96%75.32%74.72%75.36%78.85%86.36%86.05%84.01%+865 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