PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First South Bank NA

Fort Valley, GA · Cert 176

FDIC

Q2 1996

$100.0MAssets
$59.4MLoans
$82.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.46%, down 28 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 72.22% of deposits as of Q2 1996.

Return on Assets (YTD, annualized)

0.46%-28 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 Assets0.61%0.48%0.67%0.73%0.85%0.81%0.47%0.46%-28 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/a15.82%6.78%7.24%-5.41%-2.57%-8.39%-1,517 bps
Loan Growth (YoY)n/an/a-1.22%-6.72%-11.39%-10.45%-3.65%-2.02%+471 bps
Deposit Growth (YoY)n/an/a10.33%2.86%-1.63%-5.17%-4.88%-0.98%-384 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 / Deposits82.93%76.57%75.41%72.99%74.70%72.30%76.38%72.22%-76 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