PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Citizens Bk Hohenwald

Hohenwald, TN · Cert 4936

FDIC

Q4 1997

$57.8MAssets
$33.9MLoans
$49.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.92%, down 54 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 68.12% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

1.92%-54 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 Assets2.41%2.49%2.56%2.46%2.22%2.21%2.21%1.92%-54 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)0.91%1.82%-1.81%-2.43%-1.68%2.78%6.03%3.22%+565 bps
Loan Growth (YoY)-6.99%-5.96%-2.09%16.34%18.27%28.79%18.71%-12.79%-2,913 bps
Deposit Growth (YoY)1.11%2.46%-1.72%-1.88%-0.75%0.02%7.95%5.72%+760 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 / Deposits67.05%67.68%70.90%82.59%79.90%87.15%77.97%68.12%-1,446 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