PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First NB of Opelika

Opelika, AL · Cert 2819

FDIC

Q3 1998

$143.4MAssets
$82.9MLoans
$121.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.00%, down 3 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 68.21% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

1.00%-3 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 Assets0.96%1.13%1.10%1.03%0.94%1.06%0.99%1.00%-3 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)4.41%2.59%-2.51%0.19%6.57%1.40%6.96%2.77%+257 bps
Loan Growth (YoY)16.86%19.46%6.22%10.13%16.02%7.83%15.14%10.30%+17 bps
Deposit Growth (YoY)1.48%1.66%0.80%-2.10%5.49%-0.46%4.99%2.49%+459 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 / Deposits59.12%61.05%61.19%63.38%65.02%66.13%67.10%68.21%+483 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