PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First St B&T Co. in Cordele

Cordele, GA · Cert 15635

FDIC

Q1 1998

$91.5MAssets
$70.3MLoans
$80.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.13%, down 47 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 87.76% of deposits as of Q1 1998.

Return on Assets (YTD, annualized)

1.13%-47 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 Assets1.95%1.80%1.68%1.60%1.31%1.25%0.89%1.13%-47 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)6.52%8.63%0.08%1.59%6.51%0.38%1.09%-3.78%-537 bps
Loan Growth (YoY)11.39%8.47%7.91%7.94%9.02%8.07%4.12%-2.18%-1,011 bps
Deposit Growth (YoY)2.58%8.96%-0.51%-0.46%10.48%-1.13%0.88%-4.61%-415 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 / Deposits83.77%79.08%81.40%85.58%82.66%86.43%84.02%87.76%+218 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