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Bank of Inola

Inola, OK · Cert 21339

FDIC

Q2 1998

$30.9MAssets
$13.3MLoans
$25.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.62%, down 123 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 51.33% of deposits as of Q2 1998.

Return on Assets (YTD, annualized)

0.62%-123 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.

MetricQ3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998YoY ΔTrend
Earnings
Return on Assets1.90%1.70%2.11%1.84%0.14%0.41%0.42%0.62%-123 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)7.12%8.60%11.44%10.24%15.54%15.53%14.13%10.69%+45 bps
Loan Growth (YoY)7.05%10.28%9.15%9.07%-1.40%0.52%-8.99%-15.80%-2,487 bps
Deposit Growth (YoY)7.86%9.09%11.84%9.77%5.78%5.52%4.51%1.54%-822 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 / Deposits64.29%65.22%62.88%61.90%59.92%62.13%54.76%51.33%-1,057 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