PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Producers Savings Bank

Green Mountain, IA · Cert 19242

FDIC

Q4 1997

$16.8MAssets
$8.5MLoans
$13.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.58%, down 4 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 62.82% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

0.58%-4 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.

MetricQ1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets0.44%0.62%0.67%0.63%0.48%0.97%0.80%0.58%-4 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)3.42%-3.62%-2.74%-0.29%4.17%7.30%5.82%5.39%+568 bps
Loan Growth (YoY)-4.99%-3.30%-1.07%2.39%8.48%5.38%4.67%5.40%+301 bps
Deposit Growth (YoY)2.79%-4.66%-4.52%-0.96%-2.23%-2.00%0.28%-0.70%+25 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 / Deposits52.28%57.14%61.03%59.18%58.00%61.44%63.70%62.82%+364 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