PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Exchange NB&T Co.

Ardmore, OK · Cert 4038

FDIC

Q3 1998

$188.0MAssets
$89.3MLoans
$156.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.18%, up 31 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 57.19% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

1.18%+31 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 Assets1.20%0.99%0.74%0.87%0.94%0.94%1.18%1.18%+31 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)3.27%1.75%1.56%-2.21%-0.57%-1.10%-2.92%-0.91%+130 bps
Loan Growth (YoY)8.84%8.32%4.21%5.42%3.08%-1.94%-1.15%-7.99%-1,341 bps
Deposit Growth (YoY)-0.24%-0.21%-1.18%-2.15%-0.54%-5.06%-6.94%-3.44%-128 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 / Deposits53.99%55.19%54.76%60.02%55.95%57.00%58.17%57.19%-283 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