PackageTrendsPeer
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Clinton State Bank

Clinton, AR · Cert 16520

FDIC

Q3 1998

$70.2MAssets
$38.3MLoans
$64.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.69%, up 22 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 59.55% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

1.69%+22 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 Assets1.44%1.50%1.51%1.47%1.51%1.61%1.64%1.69%+22 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)3.89%2.93%6.68%6.20%6.86%3.80%3.43%-1.43%-763 bps
Loan Growth (YoY)6.74%2.58%5.24%3.39%4.39%7.39%3.64%4.82%+143 bps
Deposit Growth (YoY)3.25%3.13%7.11%6.42%7.04%3.34%2.73%-2.09%-850 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 / Deposits58.67%57.67%57.81%55.63%57.21%59.93%58.32%59.55%+392 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