PackageTrendsPeer
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Cheatham State Bank

Kingston Springs, TN · Cert 8431

FDIC

Q3 1998

$148.4MAssets
$84.9MLoans
$135.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.64%, down 80 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 62.64% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

0.64%-80 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 Assets1.41%1.52%1.45%1.43%1.38%1.34%1.40%0.64%-80 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)11.62%14.61%19.69%16.16%16.41%17.80%13.15%13.23%-293 bps
Loan Growth (YoY)26.68%18.68%19.81%17.08%13.10%23.07%20.72%16.64%-45 bps
Deposit Growth (YoY)10.78%14.91%19.07%16.51%17.16%17.38%12.68%12.48%-403 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 / Deposits64.15%58.29%58.92%60.41%61.93%61.11%63.12%62.64%+223 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