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American NB of Little Falls

Little Falls, MN · Cert 5184

FDIC

Q4 1996

$234.1MAssets
$157.4MLoans
$199.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.79%, up 25 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 79.06% of deposits as of Q4 1996.

Return on Assets (YTD, annualized)

1.79%+25 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 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets1.44%1.40%1.50%1.54%1.69%1.76%1.76%1.79%+25 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)247%235%257%235%2.64%2.31%-1.32%0.41%-23,502 bps
Loan Growth (YoY)308%296%313%273%7.65%3.75%-0.30%-0.53%-27,400 bps
Deposit Growth (YoY)219%200%226%250%5.80%6.17%3.47%0.58%-24,938 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 / Deposits77.23%80.53%82.26%79.95%78.58%78.69%79.26%79.06%-89 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