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American NB of Brainerd

Brainerd, MN · Cert 22322

FDIC

Q3 1996

$51.9MAssets
$37.0MLoans
$37.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.43%, up 31 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 98.16% of deposits as of Q3 1996.

Return on Assets (YTD, annualized)

0.43%+31 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.

MetricQ4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996YoY ΔTrend
Earnings
Return on Assets2.17%1.42%1.61%0.12%-0.16%0.19%0.50%0.43%+31 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/a15.87%20.85%22.52%16.90%11.64%12.21%3.91%-1,861 bps
Loan Growth (YoY)n/a25.84%22.30%7.12%6.36%2.09%-1.89%3.87%-325 bps
Deposit Growth (YoY)n/a17.00%19.02%8.88%4.63%-8.55%-2.76%-2.57%-1,145 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 / Deposits91.87%88.39%94.85%92.08%93.38%98.67%95.70%98.16%+608 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