PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Bank of Plano

Plano, IL · Cert 16090

FDIC

Q4 1997

$73.4MAssets
$43.5MLoans
$62.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.41%, down 17 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 69.78% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

0.41%-17 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 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets0.84%0.68%0.61%0.58%0.46%0.50%0.48%0.41%-17 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)13.49%7.20%6.15%5.10%2.04%2.97%-1.65%3.52%-158 bps
Loan Growth (YoY)3.33%6.09%7.87%10.75%16.80%14.22%16.97%10.02%-74 bps
Deposit Growth (YoY)12.79%4.92%5.70%6.16%6.87%6.57%1.45%6.74%+59 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 / Deposits64.66%66.06%64.89%67.70%70.67%70.80%74.81%69.78%+207 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