PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Walthall Citizens Bank

Tylertown, MS · Cert 21715

FDIC

Q2 1999

$68.6MAssets
$40.2MLoans
$62.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.01%, up 6 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 64.36% of deposits as of Q2 1999.

Return on Assets (YTD, annualized)

1.01%+6 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 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999YoY ΔTrend
Earnings
Return on Assets0.12%-0.26%0.95%0.95%0.88%0.91%0.80%1.01%+6 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)17.27%4.98%5.40%-5.38%-9.74%-7.31%-11.89%-7.61%-223 bps
Loan Growth (YoY)1.31%-6.19%-15.02%-26.31%-20.87%-18.96%-17.54%-10.77%+1,554 bps
Deposit Growth (YoY)19.87%9.51%7.79%-4.13%-10.92%-8.83%-13.28%-8.36%-424 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 / Deposits75.08%72.72%66.90%66.10%66.69%64.64%63.61%64.36%-174 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