PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Western Security Bank

Omaha, NE · Cert 18515

FDIC

Q3 1996

$73.6MAssets
$46.4MLoans
$65.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.16%, up 68 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 70.90% of deposits as of Q3 1996.

Return on Assets (YTD, annualized)

1.16%+68 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 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996YoY ΔTrend
Earnings
Return on Assets1.02%0.00%0.00%0.49%0.51%0.90%1.21%1.16%+68 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/a-5.57%-2.27%-5.31%-6.57%7.74%1.35%1.49%+680 bps
Loan Growth (YoY)n/a-6.59%-6.02%-4.16%-2.44%-0.80%3.08%-2.65%+151 bps
Deposit Growth (YoY)n/a-4.82%-2.45%-6.40%-7.17%6.98%0.00%1.16%+756 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 / Deposits69.04%74.44%72.20%73.68%72.56%69.02%74.43%70.90%-277 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