PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sutton County National Bank

Sonora, TX · Cert 24299

FDIC

Q4 1998

$27.6MAssets
$11.1MLoans
$24.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.83%, down 11 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 44.77% of deposits as of Q4 1998.

Return on Assets (YTD, annualized)

0.83%-11 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 Assets1.00%0.96%0.94%0.94%0.81%0.79%0.76%0.83%-11 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)-9.47%-10.79%-1.34%-4.87%8.96%7.26%-2.43%5.92%+1,079 bps
Loan Growth (YoY)24.46%14.69%8.82%21.13%21.46%30.78%46.37%41.15%+2,001 bps
Deposit Growth (YoY)-10.40%-12.52%-2.35%-6.03%8.14%6.27%-4.09%5.21%+1,124 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 / Deposits30.62%32.88%30.91%33.37%34.39%40.47%47.18%44.77%+1,140 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