PackageTrendsPeer
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First Bank South

Dixon, IL · Cert 3654

FDIC

Q1 1997

$156.9MAssets
$74.3MLoans
$137.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.03%, down 18 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 54.11% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

1.03%-18 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 Assets0.83%0.91%0.95%1.21%1.19%1.19%1.17%1.03%-18 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)10.11%-1.06%6.39%10.92%10.04%16.82%2.97%-1.61%-1,253 bps
Loan Growth (YoY)10.34%-1.27%1.87%-1.48%-13.67%0.29%-1.99%1.07%+255 bps
Deposit Growth (YoY)11.40%-2.12%6.79%4.19%6.58%16.11%4.19%2.56%-163 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 / Deposits60.28%61.50%58.76%54.91%48.83%53.12%55.28%54.11%-80 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