PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pacific NB of Nantucket

Nantucket, MA · Cert 2618

FDIC

Q3 1997

$120.9MAssets
$95.8MLoans
$107.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.38%, down 27 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 88.85% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

1.38%-27 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 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets1.44%1.58%1.62%1.65%1.71%1.30%1.28%1.38%-27 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)-0.69%5.65%8.03%7.91%4.89%7.09%7.26%7.88%-2 bps
Loan Growth (YoY)14.17%6.39%-5.75%-5.86%-3.64%6.43%24.57%27.80%+3,366 bps
Deposit Growth (YoY)0.83%7.23%7.62%7.43%4.04%6.85%4.41%7.73%+31 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 / Deposits90.95%93.27%80.99%74.90%84.23%92.90%96.62%88.85%+1,395 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