PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Greenup National Bank, The

Greenup, IL · Cert 3676

FDIC

Q1 2001

$54.5MAssets
$33.5MLoans
$48.4MDeposits
$5.1MEquity
Loan mix
78%RE $17.1M22%C&I $4.9M0%Consumer $0.0MQ1 2000Q1 2001
Deposit mix
92%Interest-bearing $44.5M8%Noninterest $3.8MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 0.62%, down 8 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.25%.
  • Funding: loans stand at 69.26% of deposits as of Q1 2001.

Financial Results

Return on Assets (YTD, annualized)

0.62%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.34%

Efficiency Ratio (YTD, annualized)

62.45%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.70%0.67%0.69%0.64%0.62%-8 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.34%n/an/a
Efficiency Ration/an/an/an/a62.45%n/an/a
Non-Interest Burdenn/an/an/an/a2.00%n/an/a
Growth
Asset Growth (YoY)0.92%2.37%2.79%4.08%6.42%+550 bps
Loan Growth (YoY)-0.57%0.77%7.40%5.54%4.48%+505 bps
Deposit Growth (YoY)0.81%1.23%1.54%2.53%4.59%+379 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a-0.25%n/an/a
Allowance / Loansn/an/an/an/a1.23%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a15.06%n/an/a
Equity / Assetsn/an/an/an/a9.44%n/an/a
Liquidity & Funding
Loans / Deposits69.34%71.38%74.89%70.37%69.26%-8 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%1.98%+198 bps
CRE / Total Capitaln/an/an/an/an/an/an/a