PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Harrison County Bank

Palmyra, IN · Cert 15618

FDIC

Q4 1999

$90.2MAssets
$61.6MLoans
$77.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.18%, down 13 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 79.16% of deposits as of Q4 1999.

Return on Assets (YTD, annualized)

1.18%-13 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 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets1.44%1.38%1.36%1.31%1.22%1.16%1.17%1.18%-13 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)0.88%3.05%1.38%3.74%4.69%4.60%7.45%4.62%+88 bps
Loan Growth (YoY)6.97%10.03%9.63%18.05%16.75%9.18%13.67%5.95%-1,209 bps
Deposit Growth (YoY)-0.08%2.60%0.63%4.03%5.23%5.18%8.78%4.92%+89 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 / Deposits71.01%75.90%77.55%78.39%78.78%78.79%81.04%79.16%+77 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