PackageTrendsPeer
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Central State Bank

Lexington, TN · Cert 6095

FDIC

Q4 1997

$111.5MAssets
$73.2MLoans
$102.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.50%, down 7 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 71.43% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

1.50%-7 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.

MetricQ1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets2.00%1.98%1.93%1.56%1.55%1.64%1.64%1.50%-7 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)2.72%0.33%4.29%1.90%1.11%0.91%0.67%0.92%-98 bps
Loan Growth (YoY)8.84%-2.33%-0.96%-0.28%6.46%3.48%3.23%-1.73%-145 bps
Deposit Growth (YoY)-0.09%-4.32%0.50%1.24%4.94%3.29%5.82%3.25%+201 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 / Deposits70.21%73.02%74.77%75.05%71.22%73.15%72.93%71.43%-362 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