PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Troy

Troy, TN · Cert 2405

FDIC

Q4 1998

$56.6MAssets
$27.0MLoans
$43.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -0.02%, down 86 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 62.31% of deposits as of Q4 1998.

Return on Assets (YTD, annualized)

-0.02%-86 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 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets1.82%1.50%1.51%0.84%-0.12%0.03%0.25%-0.02%-86 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)5.31%7.11%6.01%1.59%11.23%5.48%5.06%3.92%+233 bps
Loan Growth (YoY)1.90%1.74%3.18%-1.79%-2.72%-3.05%-5.99%-4.97%-318 bps
Deposit Growth (YoY)1.96%4.17%5.73%-0.62%6.47%0.63%-5.67%-5.96%-534 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 / Deposits63.14%64.72%63.02%61.66%57.69%62.36%62.81%62.31%+65 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