PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United MO Bank of Carthage

Carthage, MO · Cert 4580

FDIC

Q2 1999

$297.1MAssets
$125.2MLoans
$235.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.65%, down 3 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 53.23% of deposits as of Q2 1999.

Return on Assets (YTD, annualized)

0.65%-3 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 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999YoY ΔTrend
Earnings
Return on Assets0.85%0.79%0.72%0.68%0.57%0.59%0.62%0.65%-3 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)-1.50%19.55%5.82%6.59%4.00%-8.74%-2.15%-0.66%-725 bps
Loan Growth (YoY)15.18%5.22%6.55%-13.71%-23.48%-29.85%-31.49%-12.98%+74 bps
Deposit Growth (YoY)1.27%26.65%17.50%15.33%9.04%-11.45%-2.75%-2.37%-1,770 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 / Deposits80.79%66.13%73.37%59.72%56.70%52.39%51.69%53.23%-649 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