PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First NB of Sheridan

Sheridan, AR · Cert 22498

FDIC

Q3 1998

$35.7MAssets
$19.6MLoans
$32.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.34%, up 53 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 61.37% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

1.34%+53 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 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998YoY ΔTrend
Earnings
Return on Assets0.61%0.99%0.98%0.81%0.88%1.34%1.40%1.34%+53 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)11.27%9.32%7.96%3.95%10.59%11.77%12.41%14.55%+1,060 bps
Loan Growth (YoY)-9.94%-6.32%7.15%15.80%15.72%31.98%20.54%13.11%-269 bps
Deposit Growth (YoY)12.27%9.72%7.89%3.42%10.24%10.96%12.44%13.99%+1,056 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 / Deposits53.46%52.35%57.64%61.85%56.11%62.27%61.79%61.37%-48 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