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First State Bank of Canadian

Canadian, TX · Cert 17206

FDIC

Q2 1996

$35.8MAssets
$21.0MLoans
$30.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -3.87%, down 553 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 68.21% of deposits as of Q2 1996.

Return on Assets (YTD, annualized)

-3.87%-553 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 Assets1.75%1.70%1.58%1.66%1.64%1.55%1.46%-3.87%-553 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/a-1.00%-2.27%-9.52%-14.66%-16.30%-16.41%-1,414 bps
Loan Growth (YoY)n/an/a-8.35%-8.73%1.23%5.09%-0.72%-7.70%+103 bps
Deposit Growth (YoY)n/an/a-3.31%-4.90%-7.69%-13.73%-15.63%-13.34%-844 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 / Deposits55.60%52.51%61.18%64.04%60.97%63.96%71.99%68.21%+417 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