PackageTrendsPeer
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Midamerica Bank

Newport, MN · Cert 8195

FDIC

Q3 1998

$283.7MAssets
$174.2MLoans
$238.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -2.67%, down 374 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 72.98% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

-2.67%-374 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 Assets1.08%1.06%1.20%1.07%1.18%0.92%1.05%-2.67%-374 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)30.21%-5.64%-2.13%-4.15%1.70%4.21%-6.25%-8.52%-438 bps
Loan Growth (YoY)34.00%6.29%13.45%16.95%16.79%15.57%-0.74%-23.27%-4,022 bps
Deposit Growth (YoY)32.97%-4.59%-5.16%0.33%-5.58%-1.49%-2.82%-13.69%-1,402 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 / Deposits69.72%71.73%81.76%82.09%86.24%84.15%83.51%72.98%-911 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