PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens STB in Galena

Galena, KS · Cert 23260

FDIC

Q2 1997

$18.3MAssets
$6.0MLoans
$16.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.23%, down 57 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 36.87% of deposits as of Q2 1997.

Return on Assets (YTD, annualized)

1.23%-57 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.

MetricQ3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997YoY ΔTrend
Earnings
Return on Assets1.92%1.98%2.00%1.80%1.72%1.55%1.24%1.23%-57 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)0.56%1.12%2.18%8.79%7.27%3.70%2.27%6.01%-278 bps
Loan Growth (YoY)0.96%-3.32%-0.50%-0.82%7.55%2.29%0.70%4.24%+506 bps
Deposit Growth (YoY)-3.03%-3.75%2.38%9.07%7.57%3.99%1.50%4.91%-416 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 / Deposits37.98%38.68%36.81%37.11%37.98%38.05%36.52%36.87%-24 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