PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cylinder State Bank

Cylinder, IA · Cert 18399

FDIC

Q3 1998

$16.6MAssets
$11.0MLoans
$13.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.52%, up 45 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 82.41% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

1.52%+45 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 Assets0.74%0.75%0.84%1.07%0.84%0.76%1.40%1.52%+45 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)4.18%2.18%-5.16%-1.35%-0.07%-6.95%-2.94%-6.36%-501 bps
Loan Growth (YoY)23.88%12.51%2.57%5.95%1.50%4.47%2.37%-3.74%-969 bps
Deposit Growth (YoY)4.50%1.93%-7.19%-2.85%-1.20%-9.57%-5.03%-7.02%-416 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 / Deposits71.59%64.66%71.27%79.61%73.54%74.71%76.82%82.41%+280 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