PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Morgan County

Madison, GA · Cert 168

FDIC

Q4 1997

$43.6MAssets
$23.7MLoans
$36.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 2.61%, up 40 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 65.24% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

2.61%+40 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 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets2.28%2.20%2.29%2.21%2.56%2.59%2.54%2.61%+40 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)10.95%19.70%17.29%7.53%7.29%2.72%5.26%14.32%+679 bps
Loan Growth (YoY)3.48%1.93%11.17%4.04%14.77%13.01%10.75%20.22%+1,617 bps
Deposit Growth (YoY)9.81%19.93%17.77%7.76%8.05%2.19%4.52%13.74%+597 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 / Deposits58.39%54.82%58.81%61.73%62.02%60.62%62.31%65.24%+352 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