PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens NB of Toluca

Toluca, IL · Cert 3748

FDIC

Q2 1998

$38.1MAssets
$23.1MLoans
$34.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.81%, down 34 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 67.67% of deposits as of Q2 1998.

Return on Assets (YTD, annualized)

0.81%-34 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 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998YoY ΔTrend
Earnings
Return on Assets1.10%1.09%1.19%1.16%1.13%0.85%1.00%0.81%-34 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)16.37%12.41%7.70%5.91%7.94%10.37%7.00%3.62%-228 bps
Loan Growth (YoY)6.53%5.55%7.83%5.06%12.01%10.49%2.98%1.58%-348 bps
Deposit Growth (YoY)17.03%12.64%4.18%3.75%4.59%7.86%7.35%2.41%-133 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 / Deposits65.42%65.11%68.48%68.23%70.06%66.70%65.69%67.67%-56 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