PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

South East Missouri Bank

Cape Girardeau, MO · Cert 23327

FDIC

Q2 1998

$73.8MAssets
$49.1MLoans
$66.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.11%, down 7 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 74.11% of deposits as of Q2 1998.

Return on Assets (YTD, annualized)

1.11%-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.

MetricQ3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998YoY ΔTrend
Earnings
Return on Assets1.38%1.38%1.14%1.18%1.22%1.26%0.89%1.11%-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)11.05%12.21%7.87%9.80%4.38%4.60%10.70%14.28%+447 bps
Loan Growth (YoY)17.29%13.74%7.11%5.33%4.63%4.23%5.53%3.74%-159 bps
Deposit Growth (YoY)9.36%10.73%7.95%9.83%3.83%4.19%10.97%15.03%+520 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 / Deposits86.40%85.94%82.86%82.17%87.06%85.98%78.80%74.11%-806 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