PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Grant State Bank

Grant, MI · Cert 5895

FDIC

Q3 1996

$26.4MAssets
$18.7MLoans
$23.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.42%, down 8 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 78.66% of deposits as of Q3 1996.

Return on Assets (YTD, annualized)

1.42%-8 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.

MetricQ4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996YoY ΔTrend
Earnings
Return on Assets1.20%1.36%1.42%1.50%1.53%1.31%1.39%1.42%-8 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)n/a10.45%12.57%10.04%18.75%2.82%1.70%-1.68%-1,172 bps
Loan Growth (YoY)n/a12.21%17.20%16.28%8.69%10.18%3.56%-1.42%-1,770 bps
Deposit Growth (YoY)n/a9.88%11.99%5.55%15.78%-1.72%0.78%0.52%-503 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 / Deposits79.60%73.43%80.83%80.20%74.73%82.33%83.05%78.66%-155 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