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Nickerson State Bank

Nickerson, KS · Cert 15793

FDIC

Q1 1998

$28.2MAssets
$18.9MLoans
$25.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.68%, up 29 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 73.57% of deposits as of Q1 1998.

Return on Assets (YTD, annualized)

0.68%+29 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 Assets0.61%0.54%0.48%0.39%0.49%0.45%0.49%0.68%+29 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)19.63%20.06%23.42%20.01%16.75%23.34%13.84%20.12%+11 bps
Loan Growth (YoY)31.40%36.72%35.16%34.31%25.51%22.46%16.57%25.56%-875 bps
Deposit Growth (YoY)22.17%22.51%26.15%21.97%17.91%25.32%14.70%21.59%-37 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%74.76%72.82%71.24%76.49%73.05%74.00%73.57%+232 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