PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First State Bank

Churdan, IA · Cert 15589

FDIC

Q4 2000

$28.6MAssets
$22.9MLoans
$25.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -0.22%, down 23 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 88.91% of deposits as of Q4 2000.

Return on Assets (YTD, annualized)

-0.22%-23 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.

MetricQ1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets1.08%1.58%0.57%0.01%0.14%0.04%-0.18%-0.22%-23 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)1.09%-1.58%17.19%9.72%25.86%45.99%54.06%58.25%+4,853 bps
Loan Growth (YoY)49.24%51.93%110.33%69.91%53.77%59.90%74.62%102.09%+3,218 bps
Deposit Growth (YoY)15.16%10.17%11.82%13.83%30.75%52.66%78.98%64.76%+5,092 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 / Deposits68.11%81.15%93.04%72.49%80.10%84.99%90.77%88.91%+1,642 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