PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First State Bank&Trust Co.

Hollis, OK · Cert 6003

FDIC

Q2 1996

$77.2MAssets
$47.9MLoans
$64.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.74%, down 12 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 74.45% of deposits as of Q2 1996.

Return on Assets (YTD, annualized)

1.74%-12 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 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996YoY ΔTrend
Earnings
Return on Assets1.73%1.58%2.09%1.86%1.79%1.81%1.54%1.74%-12 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/an/a21.60%16.52%7.90%10.22%3.25%7.00%-952 bps
Loan Growth (YoY)n/an/a55.97%32.56%22.42%26.57%16.24%12.03%-2,053 bps
Deposit Growth (YoY)n/an/a4.62%9.23%15.21%8.51%14.88%14.95%+572 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 / Deposits75.25%70.78%78.64%76.38%79.96%82.55%79.57%74.45%-194 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