PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fremont County Savings Bank

Sidney, IA · Cert 5803

FDIC

Q1 2011

$53.9MAssets
$34.4MLoans
$45.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.08%, up 155 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 75.72% of deposits as of Q1 2011.

Return on Assets (quarter, annualized)

0.08%+155 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Discrete quarter, annualized.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010Q3 2010Q4 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets0.10%-0.25%-0.14%-1.47%-1.11%-1.30%-1.05%0.08%+155 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)3.94%3.59%6.50%5.13%5.40%-0.97%-11.40%-11.56%-1,669 bps
Loan Growth (YoY)-5.38%1.03%-1.39%-6.82%-3.06%-12.52%-15.10%-9.49%-267 bps
Deposit Growth (YoY)15.52%2.77%16.38%14.91%14.68%10.93%-14.89%-15.58%-3,049 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 / Deposits91.89%98.75%86.26%70.62%77.68%77.88%86.05%75.72%+510 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