PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Chemical Bank

Sweet Springs, MO · Cert 1658

FDIC

Q3 1998

$32.1MAssets
$22.0MLoans
$27.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.31%, down 15 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 80.67% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

1.31%-15 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 Assets1.36%1.38%1.42%1.46%1.39%1.12%1.26%1.31%-15 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)12.83%10.93%9.12%9.90%4.16%2.50%3.68%2.85%-705 bps
Loan Growth (YoY)6.53%9.20%7.77%13.28%17.51%14.85%9.54%5.51%-776 bps
Deposit Growth (YoY)13.87%11.39%8.40%6.15%-0.37%-1.86%0.16%-0.05%-621 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 / Deposits64.22%64.51%69.46%76.41%75.74%75.49%75.96%80.67%+426 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