PackageTrendsPeer
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Star Bank NA Indiana

Richmond, IN · Cert 4374

FDIC

Q1 1996

$414.9MAssets
$302.8MLoans
$369.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.89%, up 27 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 81.96% of deposits as of Q1 1996.

Return on Assets (YTD, annualized)

1.89%+27 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 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996YoY ΔTrend
Earnings
Return on Assets1.25%1.29%1.23%1.62%1.57%1.59%1.65%1.89%+27 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)n/an/an/a1.20%-4.50%-0.89%-7.10%-7.61%-881 bps
Loan Growth (YoY)n/an/an/a19.10%3.03%2.56%-3.08%-7.00%-2,610 bps
Deposit Growth (YoY)n/an/an/a-1.74%-0.94%0.76%-4.01%-2.03%-29 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 / Deposits81.45%83.39%79.49%86.34%84.71%84.88%80.27%81.96%-438 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