PackageTrendsPeer
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Pineview State Bank

Pineview, GA · Cert 16314

FDIC

Q2 2000

$14.7MAssets
$7.2MLoans
$13.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.54%, down 23 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 55.05% of deposits as of Q2 2000.

Return on Assets (YTD, annualized)

0.54%-23 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 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000YoY ΔTrend
Earnings
Return on Assets0.82%0.80%0.91%0.77%0.84%0.22%0.52%0.54%-23 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)-8.46%-7.32%-0.69%1.85%-3.21%-1.74%-2.44%-3.10%-495 bps
Loan Growth (YoY)-13.22%-10.98%-5.39%-1.77%-9.84%-11.54%-13.97%-14.67%-1,291 bps
Deposit Growth (YoY)-10.24%-9.30%-1.60%1.50%-4.05%-1.05%-2.31%-2.85%-434 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 / Deposits68.42%65.36%62.54%62.68%64.29%58.43%55.08%55.05%-763 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