PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Security National Bank

Lincoln, NE · Cert 24187

FDIC

Q2 1998

$12.2MAssets
$6.4MLoans
$10.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -0.03%, down 7 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 59.18% of deposits as of Q2 1998.

Return on Assets (YTD, annualized)

-0.03%-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 Assets-0.11%0.12%0.36%0.03%0.14%0.35%-0.58%-0.03%-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)-5.35%8.65%-2.92%2.09%0.00%3.52%-0.01%5.17%+308 bps
Loan Growth (YoY)12.10%4.62%2.49%14.69%16.92%0.64%-6.29%-14.06%-2,875 bps
Deposit Growth (YoY)-5.79%9.76%-3.55%-0.30%-0.65%3.45%-0.07%5.62%+592 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 / Deposits61.57%62.39%66.48%72.74%72.46%60.70%62.35%59.18%-1,355 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