PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First NB of Intl Falls

International Fa, MN · Cert 5168

FDIC

Q2 1998

$135.5MAssets
$79.7MLoans
$119.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.69%, down 14 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 66.43% of deposits as of Q2 1998.

Return on Assets (YTD, annualized)

1.69%-14 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 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998YoY ΔTrend
Earnings
Return on Assets2.15%1.99%1.75%1.83%1.90%0.74%2.67%1.69%-14 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)69.69%63.49%63.26%7.38%0.29%-2.09%0.29%-0.18%-756 bps
Loan Growth (YoY)79.41%74.86%70.59%11.52%7.68%1.12%0.08%-5.23%-1,675 bps
Deposit Growth (YoY)83.90%71.25%70.74%11.25%1.06%0.22%-0.20%-0.03%-1,128 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 / Deposits67.25%70.21%69.36%70.07%71.65%70.85%69.56%66.43%-364 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