PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Ripley

Ripley, WV · Cert 6178

FDIC

Q3 1997

$87.2MAssets
$64.5MLoans
$63.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.38%, down 25 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 102.29% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

1.38%-25 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 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets1.46%1.72%1.70%1.64%1.67%1.32%1.23%1.38%-25 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)8.96%1.87%6.75%-12.92%-15.01%1.87%7.35%31.14%+4,407 bps
Loan Growth (YoY)52.23%17.05%32.28%3.79%-22.87%-1.69%-2.14%35.33%+3,154 bps
Deposit Growth (YoY)2.97%1.86%-1.46%0.04%-2.14%1.16%3.27%3.75%+371 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 / Deposits93.64%75.10%96.44%78.42%73.80%72.98%91.38%102.29%+2,387 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