PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kings River State Bank

Reedley, CA · Cert 22638

FDIC

Q1 2001

$124.8MAssets
$85.4MLoans
$98.4MDeposits
$23.7MEquity
Loan mix
36%RE $10.9M60%C&I $17.9M4%Consumer $1.2MQ1 2000Q1 2001
Deposit mix
85%Interest-bearing $83.3M15%Noninterest $15.1MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 1.55%, up 89 bps year over year; NIM at 4.90%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 86.74% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

1.55%1+89 bps YoY

Net Interest Margin (quarter, annualized)

4.90%

Efficiency Ratio (quarter, annualized)

80.50%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.66%0.77%0.81%0.81%1.55%1+89 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.90%n/an/a
Efficiency Ration/an/an/an/a80.50%n/an/a
Non-Interest Burdenn/an/an/an/a3.80%n/an/a
Growth
Asset Growth (YoY)45.51%47.08%42.77%51.38%12.60%-3,291 bps
Loan Growth (YoY)27.42%29.39%40.41%52.26%33.83%+641 bps
Deposit Growth (YoY)29.34%32.83%25.92%34.75%24.71%-463 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.05%n/an/a
Allowance / Loansn/an/an/an/a1.05%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a11.45%n/an/a
Equity / Assetsn/an/an/an/a18.95%n/an/a
Liquidity & Funding
Loans / Deposits80.83%79.68%84.56%83.82%86.74%+591 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.05%+5 bps
CRE / Total Capitaln/an/an/an/an/an/an/a