PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First STB of Maple Park

Maple Park, IL · Cert 1812

FDIC

Q1 1997

$61.1MAssets
$38.8MLoans
$56.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -0.71%, down 55 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 68.63% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

-0.71%-55 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.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets-2.41%-0.30%-0.96%-0.16%-1.18%-1.16%-1.13%-0.71%-55 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)36.48%23.31%11.25%-4.86%-24.70%-27.53%-27.50%-14.44%-957 bps
Loan Growth (YoY)34.81%17.63%17.11%-16.49%-32.64%-30.97%-33.32%-9.49%+700 bps
Deposit Growth (YoY)22.02%21.19%6.19%-3.15%-9.82%-19.51%-16.76%-12.47%-932 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 / Deposits91.37%82.59%90.24%66.37%68.25%70.84%72.29%68.63%+226 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