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Springhill Bank&Trust Co.

Springhill, LA · Cert 15943

FDIC

Q3 1998

$64.3MAssets
$35.7MLoans
$49.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.93%, up 27 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 71.58% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

0.93%+27 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 Assets0.65%0.62%0.65%0.66%0.70%0.69%0.69%0.93%+27 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)1.12%-3.16%-3.33%-1.75%-2.84%-2.58%-0.25%0.07%+181 bps
Loan Growth (YoY)3.54%9.27%14.50%15.27%14.60%11.04%11.58%12.02%-325 bps
Deposit Growth (YoY)1.79%-3.46%-3.86%-1.92%-3.38%-3.53%-0.62%-0.36%+156 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 / Deposits56.22%58.37%62.61%63.67%66.68%67.18%70.29%71.58%+791 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