PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Southern Bank

Clarksdale, MS · Cert 8229

FDIC

Q4 1997

$598.4MAssets
$313.8MLoans
$539.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.86%, down 12 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 58.19% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

1.86%-12 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 Assets1.98%1.98%1.97%1.98%1.79%1.79%1.79%1.86%-12 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)76.69%70.96%-6.94%-5.01%-4.30%-2.92%0.13%8.71%+1,372 bps
Loan Growth (YoY)90.47%85.40%-11.09%-1.05%0.61%-5.73%-5.88%-7.97%-693 bps
Deposit Growth (YoY)83.78%77.49%-4.15%-8.13%-6.39%-3.02%-1.86%12.93%+2,106 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 / Deposits64.50%69.11%68.13%71.41%69.32%67.18%65.35%58.19%-1,322 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