PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank

New Albany, MS · Cert 19445

FDIC

Q4 1997

$296.8MAssets
$191.9MLoans
$264.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.56%, down 17 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 72.65% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

1.56%-17 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 Assets1.69%1.72%1.77%1.73%1.56%1.60%1.58%1.56%-17 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)80.88%78.51%-1.09%-1.13%-1.63%1.42%3.11%8.28%+941 bps
Loan Growth (YoY)101.33%93.60%-2.85%4.25%-0.32%3.36%2.15%-3.25%-750 bps
Deposit Growth (YoY)68.01%66.65%-1.33%2.90%7.71%11.04%13.80%13.15%+1,024 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 / Deposits80.39%79.45%81.69%84.97%74.40%73.96%73.33%72.65%-1,232 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