PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Coffee County Bank

Douglas, GA · Cert 152

FDIC

Q1 1998

$84.3MAssets
$59.0MLoans
$71.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.30%, down 31 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 82.91% of deposits as of Q1 1998.

Return on Assets (YTD, annualized)

1.30%-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.

MetricQ2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998YoY ΔTrend
Earnings
Return on Assets1.33%1.40%1.39%1.61%1.52%1.53%1.47%1.30%-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)14.87%12.47%14.44%20.15%15.40%17.53%22.09%12.31%-784 bps
Loan Growth (YoY)18.55%25.76%27.91%27.32%22.31%20.49%16.68%14.04%-1,327 bps
Deposit Growth (YoY)16.29%14.09%16.69%11.74%4.67%8.80%14.46%19.32%+758 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 / Deposits76.79%81.06%81.13%86.75%89.73%89.76%82.71%82.91%-384 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