PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

National Bk Com Corinth

Corinth, MS · Cert 16361

FDIC

Q4 1996

$132.2MAssets
$65.2MLoans
$109.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.80%, up 11 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 59.35% of deposits as of Q4 1996.

Return on Assets (YTD, annualized)

1.80%+11 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 Assets1.77%1.82%1.84%1.70%1.83%1.83%1.83%1.80%+11 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)-6.56%-3.12%-4.75%-0.94%5.12%1.16%6.31%1.67%+261 bps
Loan Growth (YoY)18.40%21.67%16.63%18.91%13.73%6.81%7.49%2.44%-1,647 bps
Deposit Growth (YoY)-7.07%-4.88%-7.80%-3.16%3.74%0.38%6.76%-0.90%+226 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 / Deposits48.62%52.61%56.01%57.42%53.30%55.98%56.39%59.35%+194 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