PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Buffalo Bank

Eleanor, WV · Cert 838

FDIC

Q3 1997

$28.7MAssets
$25.5MLoans
$19.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -0.14%, down 3 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 134.34% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

-0.14%-3 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 Assets0.55%-0.11%0.03%-0.10%-0.19%-0.39%-0.23%-0.14%-3 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)-82.59%-70.49%-62.18%49.80%102.61%34.93%13.77%24.08%-2,571 bps
Loan Growth (YoY)-77.79%-60.11%-49.63%409%118.09%32.84%11.73%20.75%-38,796 bps
Deposit Growth (YoY)-93.26%-90.61%-87.78%180.16%210%215%159.72%159.78%-2,038 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 / Deposits262%353%352%289%184.03%148.88%151.61%134.34%-15,469 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