PackageTrendsPeer
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MFC First National Bank

Escanaba, MI · Cert 5055

FDIC

Q2 2000

$152.2MAssets
$100.2MLoans
$117.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.60%, down 68 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 85.58% of deposits as of Q2 2000.

Return on Assets (YTD, annualized)

0.60%-68 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 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000YoY ΔTrend
Earnings
Return on Assets1.35%1.30%1.10%1.28%1.31%1.30%-0.03%0.60%-68 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)6.98%9.37%3.71%7.42%8.33%2.55%13.82%13.81%+639 bps
Loan Growth (YoY)0.31%0.89%5.16%4.56%12.47%12.48%10.26%8.23%+367 bps
Deposit Growth (YoY)7.11%10.18%3.90%8.44%4.32%-1.96%0.15%-1.75%-1,019 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 / Deposits78.46%73.77%76.74%77.69%84.59%84.64%84.48%85.58%+789 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