PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First S NB of Wayne Cnty

Monticello, KY · Cert 15659

FDIC

Q3 1998

$49.9MAssets
$31.8MLoans
$45.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.00%, down 36 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 69.90% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

1.00%-36 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.

MetricQ4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998YoY ΔTrend
Earnings
Return on Assets1.27%1.09%1.38%1.36%1.73%0.91%0.97%1.00%-36 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)5.21%7.54%7.33%13.15%11.40%9.25%8.58%8.08%-506 bps
Loan Growth (YoY)12.65%8.46%2.94%4.08%4.64%6.79%6.60%19.68%+1,560 bps
Deposit Growth (YoY)6.08%8.15%9.98%12.99%11.65%8.68%8.50%7.76%-524 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 / Deposits71.86%67.89%66.44%62.93%67.34%66.70%65.27%69.90%+697 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