PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Security State Bank&Trust Co.

Polson, MT · Cert 362

FDIC

Q2 1999

$63.2MAssets
$33.8MLoans
$52.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.92%, up 83 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 63.94% of deposits as of Q2 1999.

Return on Assets (YTD, annualized)

0.92%+83 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.

MetricQ3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999YoY ΔTrend
Earnings
Return on Assets1.05%1.01%-0.79%0.09%0.52%0.42%1.30%0.92%+83 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)-2.03%-2.89%5.03%6.40%9.97%16.62%11.58%9.66%+326 bps
Loan Growth (YoY)2.85%2.28%5.60%6.14%11.28%9.81%3.04%-4.19%-1,033 bps
Deposit Growth (YoY)-3.45%-4.15%4.79%4.49%7.46%16.18%9.96%10.02%+554 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 / Deposits70.32%71.87%70.95%73.43%72.82%67.93%66.49%63.94%-949 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