PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Bk Natchitoches&Tr Co.

Natchitoches, LA · Cert 23521

FDIC

Q1 1997

$31.4MAssets
$18.6MLoans
$28.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.20%, down 13 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 66.00% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

1.20%-13 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.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets1.18%1.70%1.08%1.33%1.08%1.04%0.91%1.20%-13 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)5.27%15.90%8.75%19.20%20.84%28.47%33.50%12.69%-651 bps
Loan Growth (YoY)28.34%22.23%16.45%17.25%18.69%18.59%21.56%16.29%-96 bps
Deposit Growth (YoY)4.38%15.24%11.64%19.55%22.44%29.12%34.40%11.31%-824 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 / Deposits72.69%69.02%71.04%63.17%70.47%63.39%64.26%66.00%+283 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