PackageTrendsPeer
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City Bank

Weatherford, OK · Cert 24626

FDIC

Q3 1998

$57.7MAssets
$21.6MLoans
$51.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.95%, up 61 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 42.29% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

0.95%+61 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 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998YoY ΔTrend
Earnings
Return on Assets1.08%1.21%0.00%0.33%0.51%0.90%0.93%0.95%+61 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)5.67%8.63%12.12%12.26%10.15%5.26%0.29%-2.72%-1,497 bps
Loan Growth (YoY)18.99%11.98%12.37%2.33%3.22%13.13%4.03%-1.68%-400 bps
Deposit Growth (YoY)4.14%7.75%9.52%9.71%8.12%2.58%-0.23%-3.45%-1,316 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 / Deposits45.02%40.15%42.17%41.53%42.98%44.27%43.97%42.29%+76 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