PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First NB of Osceola

Osceola, NE · Cert 5461

FDIC

Q1 2000

$28.2MAssets
$19.5MLoans
$25.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.42%, up 34 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 77.84% of deposits as of Q1 2000.

Return on Assets (YTD, annualized)

1.42%+34 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 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000YoY ΔTrend
Earnings
Return on Assets1.76%1.77%1.52%1.08%1.23%1.38%1.45%1.42%+34 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)5.13%0.64%2.18%2.63%2.45%2.34%-0.99%-3.70%-634 bps
Loan Growth (YoY)12.73%4.20%8.18%-5.25%-12.60%-4.99%-15.28%-10.48%-523 bps
Deposit Growth (YoY)3.96%4.40%3.20%4.77%7.83%3.72%0.65%-1.94%-671 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 / Deposits95.86%90.16%89.69%85.27%77.69%82.59%75.49%77.84%-743 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