PackageTrendsPeer
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East Des Moines NB

Des Moines, IA · Cert 18765

FDIC

Q1 1997

$103.3MAssets
$42.2MLoans
$88.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.17%, down 98 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 Q1 1997.

Return on Assets (YTD, annualized)

0.17%-98 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 Assets1.10%1.13%1.15%1.15%1.15%0.07%-0.27%0.17%-98 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)-0.16%-0.49%4.06%3.22%-2.54%1.73%-3.34%-3.98%-719 bps
Loan Growth (YoY)20.88%20.07%14.64%7.62%3.66%-4.64%-3.34%7.63%+2 bps
Deposit Growth (YoY)-1.19%-1.72%2.48%2.39%-2.43%-1.46%-6.08%-7.65%-1,005 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 / Deposits38.62%41.70%41.17%41.06%41.03%40.36%42.37%47.86%+680 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