PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens NB Boone-Stratford

Boone, IA · Cert 4427

FDIC

Q2 1996

$103.4MAssets
$73.0MLoans
$89.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.10%, down 14 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 81.71% of deposits as of Q2 1996.

Return on Assets (YTD, annualized)

1.10%-14 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 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996YoY ΔTrend
Earnings
Return on Assets1.61%1.58%1.25%1.24%1.29%1.32%0.63%1.10%-14 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/a20.26%16.14%16.11%2.79%0.30%-1.39%-1,753 bps
Loan Growth (YoY)n/an/a23.97%17.91%16.20%9.18%1.13%-3.09%-2,100 bps
Deposit Growth (YoY)n/an/a19.20%16.23%14.68%2.27%3.19%2.89%-1,334 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 / Deposits85.15%79.99%82.41%86.75%86.28%85.39%80.77%81.71%-504 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