PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Security Bank&Trust Co.

Mount Carmel, IL · Cert 15433

FDIC

Q3 1998

$113.1MAssets
$78.6MLoans
$97.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.19%, down 25 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 80.79% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

1.19%-25 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.

MetricQ4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998YoY ΔTrend
Earnings
Return on Assets1.32%1.46%1.47%1.44%1.42%1.19%1.17%1.19%-25 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)6.93%3.44%-3.57%-4.59%-6.40%-2.88%-1.29%-1.84%+276 bps
Loan Growth (YoY)20.11%16.06%7.12%0.81%-5.78%-6.16%-2.94%-1.10%-191 bps
Deposit Growth (YoY)3.22%1.24%1.31%0.85%-0.24%3.91%-0.91%-0.58%-142 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 / Deposits81.07%81.48%79.66%81.22%76.56%73.58%78.02%80.79%-43 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