PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First State Bank

Linden, TN · Cert 4949

FDIC

Q2 1999

$42.2MAssets
$16.8MLoans
$35.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.87%, down 31 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 47.70% of deposits as of Q2 1999.

Return on Assets (YTD, annualized)

0.87%-31 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 Assets1.25%1.25%1.16%1.17%1.16%1.11%0.93%0.87%-31 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)2.16%4.31%1.10%0.31%2.83%0.60%4.11%2.93%+263 bps
Loan Growth (YoY)7.64%10.29%5.48%1.52%0.14%-4.02%-2.29%-3.94%-546 bps
Deposit Growth (YoY)1.08%3.61%-0.40%-1.01%1.98%-0.47%3.99%2.40%+341 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 / Deposits53.93%55.13%51.89%50.85%52.96%53.16%48.75%47.70%-315 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