PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

UMB 1st STB of Morrisonville

Morrisonville, IL · Cert 1788

FDIC

Q2 1999

$11.3MAssets
$4.6MLoans
$9.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 3.43%, up 182 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 47.86% of deposits as of Q2 1999.

Return on Assets (YTD, annualized)

3.43%+182 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 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999YoY ΔTrend
Earnings
Return on Assets1.75%1.52%1.66%1.61%1.67%1.69%2.87%3.43%+182 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)16.53%50.41%13.77%4.33%-1.37%-22.64%-5.56%-8.18%-1,251 bps
Loan Growth (YoY)80.54%73.74%63.41%41.79%14.72%4.32%3.94%2.28%-3,951 bps
Deposit Growth (YoY)5.03%69.21%7.05%24.58%-4.57%-23.94%1.16%-2.54%-2,712 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 / Deposits39.87%28.62%44.43%45.61%47.92%39.26%45.65%47.86%+225 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