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First National Bank

Missouri Valley, IA · Cert 4480

FDIC

Q3 1996

$45.9MAssets
$28.2MLoans
$38.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.25%, up 18 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 72.32% of deposits as of Q3 1996.

Return on Assets (YTD, annualized)

1.25%+18 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 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996YoY ΔTrend
Earnings
Return on Assets1.02%0.94%0.94%1.07%1.00%1.40%1.29%1.25%+18 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/a-2.74%4.03%2.25%3.69%1.12%1.99%11.26%+901 bps
Loan Growth (YoY)n/a14.32%17.25%9.05%6.29%7.25%18.74%31.11%+2,206 bps
Deposit Growth (YoY)n/a-2.71%3.85%0.62%4.28%0.03%-1.43%6.55%+593 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 / Deposits56.38%54.19%54.18%58.77%57.47%58.10%65.27%72.32%+1,355 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