PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Peoples NB of Grayville

Grayville, IL · Cert 15495

FDIC

Q2 1998

$34.9MAssets
$21.7MLoans
$30.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.56%, up 33 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 70.33% of deposits as of Q2 1998.

Return on Assets (YTD, annualized)

1.56%+33 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.

MetricQ3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998YoY ΔTrend
Earnings
Return on Assets1.18%0.84%0.99%1.23%1.11%1.20%1.42%1.56%+33 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)-4.21%-3.55%-10.87%-7.00%-7.83%-0.55%3.42%-2.24%+477 bps
Loan Growth (YoY)-15.88%-19.90%-12.01%-3.86%-8.05%-5.14%-1.16%-3.73%+13 bps
Deposit Growth (YoY)-4.28%-1.36%-8.81%-7.49%-6.08%-3.14%0.84%0.03%+752 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 / Deposits82.71%70.54%71.87%73.08%80.98%69.08%70.44%70.33%-275 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