PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tri-County Bank

Minooka, IL · Cert 19088

FDIC

Q1 1998

$36.9MAssets
$18.8MLoans
$33.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.14%, up 56 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 56.18% of deposits as of Q1 1998.

Return on Assets (YTD, annualized)

1.14%+56 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 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998YoY ΔTrend
Earnings
Return on Assets0.58%0.62%0.54%0.58%0.71%0.75%0.71%1.14%+56 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)-2.44%3.65%5.97%16.61%16.16%14.67%8.80%0.10%-1,651 bps
Loan Growth (YoY)-10.72%7.00%7.79%41.24%76.04%76.07%61.03%37.90%-334 bps
Deposit Growth (YoY)1.43%0.17%3.49%10.93%15.33%16.69%7.10%10.12%-81 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 / Deposits33.88%36.16%39.00%44.86%51.72%54.55%58.64%56.18%+1,132 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