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Capital Bk Cape Girardeau Cn

Cape Girardeau, MO · Cert 24668

FDIC

Q3 1996

$478.8MAssets
$376.5MLoans
$417.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.06%, down 7 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 90.19% of deposits as of Q3 1996.

Return on Assets (YTD, annualized)

1.06%-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.

MetricQ4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996YoY ΔTrend
Earnings
Return on Assets0.94%1.19%1.13%1.13%0.77%1.14%1.23%1.06%-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)n/a6.64%10.33%9.48%8.20%8.47%-2.99%7.77%-170 bps
Loan Growth (YoY)n/a10.54%6.25%5.85%1.01%2.73%-1.78%8.49%+264 bps
Deposit Growth (YoY)n/a9.02%12.85%9.86%11.86%10.86%-0.96%7.69%-217 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 / Deposits95.28%92.76%89.45%89.53%86.04%85.97%88.71%90.19%+67 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