PackageTrendsPeer
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Sac River Valley Bank

Stockton, MO · Cert 8300

FDIC

Q4 1998

$97.0MAssets
$65.7MLoans
$76.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.68%, up 4 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 86.14% of deposits as of Q4 1998.

Return on Assets (YTD, annualized)

1.68%+4 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 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets1.64%1.69%1.71%1.64%1.77%1.69%1.69%1.68%+4 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)10.16%5.09%12.06%11.38%4.43%-1.64%-7.16%-5.88%-1,727 bps
Loan Growth (YoY)10.20%3.47%1.53%3.59%5.47%8.47%6.71%3.56%-3 bps
Deposit Growth (YoY)5.77%6.93%5.43%1.50%4.39%-1.78%0.66%3.01%+151 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 / Deposits82.70%78.84%83.09%85.68%83.55%87.07%88.08%86.14%+45 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