PackageTrendsPeer
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Bank of Lemmon

Lemmon, SD · Cert 6072

FDIC

Q1 1997

$71.8MAssets
$39.8MLoans
$62.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.46%, down 5 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 63.70% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

1.46%-5 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 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets1.38%1.42%1.40%1.51%1.49%1.47%1.61%1.46%-5 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)-1.08%1.57%-0.38%3.15%3.46%2.57%3.72%5.69%+253 bps
Loan Growth (YoY)7.71%7.70%8.32%8.03%5.87%3.13%-1.91%0.38%-765 bps
Deposit Growth (YoY)-1.79%1.02%-1.23%2.01%2.67%1.63%2.73%5.21%+321 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 / Deposits66.07%66.12%65.53%66.77%68.12%67.10%62.57%63.70%-307 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