PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sun Bank

Washington, IL · Cert 20824

FDIC

Q1 1999

$29.0MAssets
$15.7MLoans
$25.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.80%, down 20 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 61.39% of deposits as of Q1 1999.

Return on Assets (YTD, annualized)

0.80%-20 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 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999YoY ΔTrend
Earnings
Return on Assets1.19%1.10%0.88%0.99%0.71%0.72%0.39%0.80%-20 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)5.29%5.67%7.54%7.55%9.22%10.14%7.15%5.76%-179 bps
Loan Growth (YoY)-2.62%-3.44%4.24%4.95%8.20%11.09%7.30%3.78%-117 bps
Deposit Growth (YoY)4.46%8.75%7.30%7.20%7.00%9.29%3.69%6.42%-78 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 / Deposits63.83%63.99%62.32%62.95%64.55%65.04%64.48%61.39%-157 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