PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Pecatonica

Pecatonica, IL · Cert 15874

FDIC

Q2 1998

$554.8MAssets
$373.1MLoans
$442.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.86%, down 19 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 84.25% of deposits as of Q2 1998.

Return on Assets (YTD, annualized)

0.86%-19 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.

MetricQ3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998YoY ΔTrend
Earnings
Return on Assets0.73%-0.14%0.84%1.05%1.02%0.98%0.87%0.86%-19 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)0.32%7.63%4.88%50.15%50.15%38.38%42.99%-0.15%-5,030 bps
Loan Growth (YoY)0.54%0.38%-2.87%40.20%42.47%35.73%39.01%1.93%-3,827 bps
Deposit Growth (YoY)2.22%0.55%-4.06%34.67%34.32%37.94%43.83%0.29%-3,438 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 / Deposits79.34%80.83%84.15%82.89%84.16%79.54%81.33%84.25%+136 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