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Boatmens Bank of Troy

Troy, MO · Cert 15265

FDIC

Q1 1997

$73.9MAssets
$29.5MLoans
$59.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.35%, down 26 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 49.80% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

1.35%-26 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 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets1.69%1.66%1.62%1.62%1.67%1.71%1.71%1.35%-26 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)0.35%2.72%4.19%8.61%6.85%4.83%5.19%17.56%+895 bps
Loan Growth (YoY)10.33%14.03%10.79%7.01%8.26%3.56%8.39%8.64%+163 bps
Deposit Growth (YoY)-0.13%2.81%3.84%8.83%7.18%4.83%4.91%2.22%-662 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 / Deposits48.20%48.89%47.91%46.86%48.68%48.30%49.49%49.80%+294 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