PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Bank&Trust

Grove Hill, AL · Cert 5610

FDIC

Q2 1997

$186.0MAssets
$139.0MLoans
$160.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.25%, down 46 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 86.58% of deposits as of Q2 1997.

Return on Assets (YTD, annualized)

1.25%-46 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 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997YoY ΔTrend
Earnings
Return on Assets1.80%1.85%1.65%1.71%1.74%1.58%1.34%1.25%-46 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)49.83%47.62%8.04%6.24%5.11%8.76%6.06%-0.64%-688 bps
Loan Growth (YoY)52.25%54.28%15.66%12.92%12.28%10.80%7.97%4.56%-836 bps
Deposit Growth (YoY)48.34%49.98%3.93%2.95%2.76%5.44%5.85%0.35%-260 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 / Deposits77.20%79.85%82.15%83.09%84.36%83.92%83.80%86.58%+349 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