PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Exchange National Bank

Marysville, KS · Cert 17618

FDIC

Q4 1999

$441.8MAssets
$311.0MLoans
$316.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.17%, up 21 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 98.15% of deposits as of Q4 1999.

Return on Assets (YTD, annualized)

1.17%+21 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 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets1.01%0.99%1.06%0.97%1.21%1.28%1.41%1.17%+21 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)35.88%38.10%32.01%25.05%26.03%22.71%23.44%55.92%+3,087 bps
Loan Growth (YoY)41.74%40.77%25.51%24.79%23.99%26.49%26.23%47.90%+2,311 bps
Deposit Growth (YoY)39.67%39.02%31.62%20.89%21.70%19.90%21.52%32.44%+1,155 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 / Deposits84.28%87.03%85.60%87.89%85.86%91.81%88.92%98.15%+1,026 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