PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dauphin Deposit B&T Co.

Harrisburg, PA · Cert 695

FDIC

Q3 1998

$5.6BAssets
$3.4BLoans
$3.8BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.92%, up 78 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 89.52% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

0.92%+78 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 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998YoY ΔTrend
Earnings
Return on Assets1.28%1.20%1.04%0.14%0.28%1.17%0.99%0.92%+78 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)11.66%3.94%5.32%13.89%15.49%9.61%3.30%-15.82%-2,971 bps
Loan Growth (YoY)10.61%8.92%9.69%4.86%7.28%4.50%0.87%-5.00%-986 bps
Deposit Growth (YoY)1.99%3.13%4.24%13.58%11.92%9.70%3.35%-18.90%-3,247 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 / Deposits82.95%81.93%83.92%76.43%79.51%78.05%81.90%89.52%+1,309 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