PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Roane County

Harriman, TN · Cert 4935

FDIC

Q4 1997

$188.3MAssets
$120.2MLoans
$170.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.35%, down 18 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 70.40% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

1.35%-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.

MetricQ1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets1.61%1.66%1.61%1.54%1.62%1.53%1.50%1.35%-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)-1.17%-4.05%-2.63%-0.64%-0.74%2.02%-0.14%-0.16%+47 bps
Loan Growth (YoY)-7.01%-5.95%-6.33%2.49%6.06%17.13%16.54%-1.33%-382 bps
Deposit Growth (YoY)1.99%-4.48%-2.37%-0.91%-0.87%-0.29%-1.89%-0.24%+67 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 / Deposits64.98%66.38%66.51%71.17%69.52%77.98%79.01%70.40%-78 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