PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Firstar Metropolitan B&T

Phoenix, AZ · Cert 24426

FDIC

Q3 1999

$210.7MAssets
$58.3MLoans
$183.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.61%, up 29 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 31.68% of deposits as of Q3 1999.

Return on Assets (YTD, annualized)

1.61%+29 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.

MetricQ4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets1.29%1.35%1.28%1.32%1.24%1.47%1.47%1.61%+29 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)14.57%25.27%30.76%19.42%25.42%5.42%-0.81%-10.32%-2,974 bps
Loan Growth (YoY)21.80%17.39%3.73%4.64%6.88%5.17%-3.81%-4.69%-933 bps
Deposit Growth (YoY)15.71%23.87%36.64%21.82%26.68%5.07%-4.04%-14.05%-3,587 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 / Deposits33.56%30.03%28.00%28.57%28.32%30.06%28.07%31.68%+311 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