PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Southwest Bank

Vesta, MN · Cert 16313

FDIC

Q4 1996

$13.0MAssets
$8.4MLoans
$12.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.55%, up 81 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 69.68% of deposits as of Q4 1996.

Return on Assets (YTD, annualized)

0.55%+81 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 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets-0.32%-0.23%-0.28%-0.26%-0.25%0.56%0.74%0.55%+81 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)12.21%9.05%4.85%10.52%14.63%12.48%8.57%6.90%-361 bps
Loan Growth (YoY)42.69%21.99%17.12%9.33%11.57%10.17%9.81%5.08%-425 bps
Deposit Growth (YoY)13.45%17.05%6.93%10.70%15.28%13.01%8.46%6.78%-392 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 / Deposits66.55%72.33%74.26%70.81%64.41%70.51%75.19%69.68%-113 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