PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Milan

Milan, GA · Cert 157

FDIC

Q4 1998

$41.4MAssets
$31.3MLoans
$37.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 2.50%, up 35 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 84.47% of deposits as of Q4 1998.

Return on Assets (YTD, annualized)

2.50%+35 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 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets2.55%2.13%2.26%2.15%2.88%3.15%2.82%2.50%+35 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)25.80%26.78%22.91%19.99%20.98%18.87%16.24%21.65%+166 bps
Loan Growth (YoY)23.77%25.50%29.15%35.54%32.48%36.92%31.08%22.25%-1,328 bps
Deposit Growth (YoY)26.10%26.48%21.89%19.11%17.47%15.42%12.26%20.22%+112 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 / Deposits74.86%76.21%78.28%83.06%84.42%90.40%91.41%84.47%+140 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