PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Security Bank&Trust Co.

Webster, SD · Cert 495

FDIC

Q1 1997

$45.4MAssets
$20.7MLoans
$39.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.07%, down 17 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 52.57% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

1.07%-17 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.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets1.06%1.13%1.11%1.24%1.25%1.22%1.11%1.07%-17 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)-6.37%-2.81%-1.34%-1.43%-2.23%1.30%0.98%3.69%+512 bps
Loan Growth (YoY)3.70%-0.23%-4.03%-8.26%-4.61%-10.30%-4.24%-1.37%+689 bps
Deposit Growth (YoY)-8.19%-4.33%-2.35%-2.66%-3.35%0.82%0.24%3.46%+612 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 / Deposits57.97%58.21%56.20%55.15%57.21%51.79%53.68%52.57%-257 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