PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Finl Bk of SE MO

Sikeston, MO · Cert 15396

FDIC

Q1 1997

$90.2MAssets
$50.2MLoans
$82.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.61%, up 50 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 60.49% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

1.61%+50 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 Assets1.20%1.21%1.22%1.10%1.12%1.14%0.22%1.61%+50 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)15.61%15.41%15.58%10.13%4.50%6.81%5.65%-0.61%-1,074 bps
Loan Growth (YoY)15.96%14.75%16.89%27.26%15.35%6.27%2.43%-4.31%-3,157 bps
Deposit Growth (YoY)24.05%22.63%14.68%9.52%3.05%9.67%5.84%0.15%-937 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 / Deposits62.21%64.56%59.89%63.31%69.63%62.56%57.96%60.49%-282 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