PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hazen First State Bank

Hazen, AR · Cert 24710

FDIC

Q1 1997

$22.1MAssets
$8.1MLoans
$19.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.12%, down 6 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 41.47% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

1.12%-6 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.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets0.86%0.99%1.11%1.18%1.32%1.40%1.35%1.12%-6 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)-0.36%-1.71%1.64%3.25%4.64%9.98%7.72%9.45%+619 bps
Loan Growth (YoY)18.25%24.19%27.68%40.66%27.76%5.63%8.18%-9.13%-4,979 bps
Deposit Growth (YoY)-2.47%-3.27%3.21%2.36%0.56%7.96%7.31%9.37%+702 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 / Deposits45.81%52.17%48.50%49.92%58.21%51.04%48.90%41.47%-844 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