PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First NB of Habersham

Cornelia, GA · Cert 2128

FDIC

Q1 1996

$110.7MAssets
$59.9MLoans
$92.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.91%, up 24 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 64.69% of deposits as of Q1 1996.

Return on Assets (YTD, annualized)

1.91%+24 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 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996YoY ΔTrend
Earnings
Return on Assets1.54%1.60%1.64%1.67%1.61%1.65%1.05%1.91%+24 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)n/an/an/a1.81%2.64%0.78%0.03%-3.54%-536 bps
Loan Growth (YoY)n/an/an/a6.33%3.63%4.83%5.36%5.94%-38 bps
Deposit Growth (YoY)n/an/an/a-5.37%-5.67%-2.45%-1.40%0.08%+545 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 / Deposits56.76%58.54%60.71%61.11%62.35%62.91%64.87%64.69%+358 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