PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Montgomery Bank

Montgomery, AL · Cert 22883

FDIC

Q4 1996

$189.1MAssets
$136.4MLoans
$167.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.47%, down 7 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 81.27% of deposits as of Q4 1996.

Return on Assets (YTD, annualized)

1.47%-7 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 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets1.38%1.39%1.52%1.54%1.42%1.41%1.45%1.47%-7 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)7.74%13.31%10.49%11.13%14.26%6.95%6.26%7.26%-387 bps
Loan Growth (YoY)8.18%11.42%11.20%11.53%8.80%4.55%5.63%8.02%-351 bps
Deposit Growth (YoY)8.77%9.01%5.59%6.65%9.50%7.71%7.93%8.92%+227 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 / Deposits81.34%84.67%85.76%81.95%80.82%82.19%83.93%81.27%-68 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