PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Capital Bank of Southwest MO

Ozark, MO · Cert 22215

FDIC

Q4 1997

$189.2MAssets
$134.3MLoans
$168.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.15%, unchanged from a year ago.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 79.57% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

1.15%0 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.

MetricQ1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets1.42%1.29%1.33%1.16%1.12%1.23%1.26%1.15%0 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)5.61%-2.76%-3.69%-2.46%-11.49%-8.92%-6.65%-7.01%-455 bps
Loan Growth (YoY)-2.56%-4.37%-3.33%-3.47%-6.95%-9.35%-2.64%-11.10%-763 bps
Deposit Growth (YoY)6.10%-2.75%-3.68%-3.07%-13.59%-9.84%-7.05%-7.60%-453 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 / Deposits82.21%83.79%80.68%82.70%88.52%84.25%84.50%79.57%-313 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