PackageTrendsPeer
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Southern Deposit Bank

Russellville, KY · Cert 271

FDIC

Q3 2000

$81.7MAssets
$53.7MLoans
$61.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.34%, up 5 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 86.97% of deposits as of Q3 2000.

Return on Assets (YTD, annualized)

1.34%+5 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 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000YoY ΔTrend
Earnings
Return on Assets1.17%1.08%1.13%1.29%1.39%1.31%1.27%1.34%+5 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)-3.43%-3.85%-5.68%-7.00%7.38%10.74%9.67%12.58%+1,958 bps
Loan Growth (YoY)13.68%12.91%1.81%2.00%3.84%13.58%13.96%9.65%+765 bps
Deposit Growth (YoY)3.97%1.57%2.37%-1.66%-7.22%-5.19%-5.00%1.39%+305 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 / Deposits78.14%78.06%76.48%80.41%87.46%93.52%91.74%86.97%+656 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