PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Wadley

Wadley, GA · Cert 194

FDIC

Q4 1998

$24.2MAssets
$13.3MLoans
$21.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.80%, down 11 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 61.68% of deposits as of Q4 1998.

Return on Assets (YTD, annualized)

1.80%-11 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 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets2.28%1.80%1.90%1.91%1.90%1.87%1.87%1.80%-11 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)-5.25%1.74%-9.61%-3.34%-2.47%-1.76%9.12%0.52%+385 bps
Loan Growth (YoY)-5.48%-2.69%-7.43%-0.77%-3.81%-1.14%-7.68%-13.82%-1,305 bps
Deposit Growth (YoY)-4.47%5.43%-9.80%-3.75%-2.80%-2.05%9.87%-0.40%+335 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 / Deposits77.02%77.10%81.55%71.29%76.22%77.81%68.52%61.68%-961 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