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Fort Deposit Bank

Fort Deposit, AL · Cert 1747

FDIC

Q3 1998

$68.8MAssets
$41.8MLoans
$59.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.14%, down 54 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 70.86% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

0.14%-54 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 Assets0.92%0.70%0.67%0.68%0.80%0.34%0.73%0.14%-54 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)-1.76%-3.60%1.01%0.95%2.88%4.08%6.23%3.04%+208 bps
Loan Growth (YoY)5.80%6.28%-2.68%-8.85%-4.38%-1.64%8.63%13.37%+2,223 bps
Deposit Growth (YoY)-1.95%-2.31%-5.67%-5.83%-3.79%-2.89%4.67%3.51%+934 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 / Deposits66.42%65.29%67.85%64.70%66.01%66.13%70.42%70.86%+616 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