PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

North Bank

Hale, MI · Cert 17080

FDIC

Q2 1996

$156.7MAssets
$85.6MLoans
$129.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.07%, down 30 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 65.88% of deposits as of Q2 1996.

Return on Assets (YTD, annualized)

0.07%-30 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 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996YoY ΔTrend
Earnings
Return on Assets0.35%0.25%0.51%0.37%0.28%0.21%0.27%0.07%-30 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)n/an/a7.57%11.15%3.10%-2.09%-4.58%-3.20%-1,435 bps
Loan Growth (YoY)n/an/a19.67%11.87%11.61%11.78%6.34%0.71%-1,116 bps
Deposit Growth (YoY)n/an/a4.15%9.10%5.26%6.57%5.62%1.93%-716 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 / Deposits64.96%65.12%67.85%66.68%68.88%68.31%68.31%65.88%-80 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