PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First STB of Fayette County

Somerville, TN · Cert 19393

FDIC

Q4 1997

$89.2MAssets
$54.6MLoans
$81.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -0.16%, down 177 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 67.34% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

-0.16%-177 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 Assets1.68%1.74%1.75%1.61%1.39%1.49%1.44%-0.16%-177 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)-3.07%1.10%2.55%-1.04%4.14%1.91%5.37%207%+20,841 bps
Loan Growth (YoY)7.35%4.63%10.36%10.88%28.79%22.86%20.67%213%+20,172 bps
Deposit Growth (YoY)-2.54%1.78%-0.40%-1.21%4.45%0.33%6.26%204%+20,529 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 / Deposits58.24%63.00%72.01%65.51%71.82%77.15%81.77%67.34%+184 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