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Tell City National Bank

Tell City, IN · Cert 4412

FDIC

Q2 1998

$194.0MAssets
$142.0MLoans
$159.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.20%, up 12 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 89.26% of deposits as of Q2 1998.

Return on Assets (YTD, annualized)

1.20%+12 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 Assets1.07%1.09%1.01%1.09%1.11%1.16%1.16%1.20%+12 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)10.82%10.86%8.48%6.00%4.54%3.66%0.55%2.83%-317 bps
Loan Growth (YoY)19.08%18.51%19.20%10.62%2.57%6.31%5.41%6.51%-411 bps
Deposit Growth (YoY)7.60%7.89%8.88%5.08%6.38%2.13%-0.54%2.88%-220 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 / Deposits87.54%84.27%85.56%86.22%84.40%87.72%90.68%89.26%+304 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