PackageTrendsPeer
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American National Bank

Kennewick, WA · Cert 24179

FDIC

Q4 1997

$164.1MAssets
$110.3MLoans
$127.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.38%, down 10 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 86.35% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

0.38%-10 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 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets1.16%1.33%0.25%0.49%0.46%0.50%0.46%0.38%-10 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)-1.85%-0.06%17.84%149.87%137.57%130.36%91.96%-10.84%-16,071 bps
Loan Growth (YoY)28.96%24.36%44.67%132.47%120.97%118.75%82.19%5.49%-12,697 bps
Deposit Growth (YoY)-3.81%1.67%4.18%114.82%114.49%103.81%92.40%-9.28%-12,410 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 / Deposits77.58%79.12%89.16%74.26%79.92%84.93%84.43%86.35%+1,209 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