PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Country Bank

Charlotte, TX · Cert 15602

FDIC

Q1 1998

$38.3MAssets
$22.2MLoans
$35.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -2.60%, down 366 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 62.41% of deposits as of Q1 1998.

Return on Assets (YTD, annualized)

-2.60%-366 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 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998YoY ΔTrend
Earnings
Return on Assets1.26%1.23%1.10%1.06%1.06%0.35%0.45%-2.60%-366 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)5.65%4.97%6.08%4.03%0.87%3.16%-0.96%-1.16%-519 bps
Loan Growth (YoY)6.17%7.06%9.71%9.10%7.36%4.29%-1.25%-5.40%-1,451 bps
Deposit Growth (YoY)5.62%5.04%6.23%4.50%-0.62%3.38%-0.75%-0.38%-488 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 / Deposits63.56%65.28%64.08%65.72%68.66%65.85%63.76%62.41%-331 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