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Diamond Bank

Diamond, MO · Cert 20529

FDIC

Q1 1997

$19.4MAssets
$12.4MLoans
$16.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 3.45%, up 258 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 74.66% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

3.45%+258 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 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets1.30%1.62%1.46%0.87%1.05%1.32%1.12%3.45%+258 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)4.85%1.37%1.52%7.78%7.29%9.03%5.77%0.67%-711 bps
Loan Growth (YoY)10.28%17.83%10.51%10.50%10.24%10.47%8.43%15.95%+545 bps
Deposit Growth (YoY)3.15%-1.08%-1.03%6.71%6.87%9.53%6.02%-0.86%-757 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 / Deposits67.20%70.42%70.03%63.84%69.32%71.03%71.62%74.66%+1,083 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