PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First State Bank&Trust Co.

Plain Dealing, LA · Cert 8528

FDIC

Q3 1997

$41.5MAssets
$16.8MLoans
$35.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.00%, up 39 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 47.38% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

1.00%+39 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 Assets1.55%0.46%0.56%0.61%0.63%0.95%1.04%1.00%+39 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)1.63%5.28%4.03%2.89%1.96%-3.22%-7.51%-6.79%-968 bps
Loan Growth (YoY)5.21%-4.84%-3.40%4.79%3.67%10.65%5.49%2.01%-278 bps
Deposit Growth (YoY)-0.14%6.65%6.36%5.31%4.12%-4.19%-9.06%-8.28%-1,359 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 / Deposits44.56%38.62%40.52%42.60%44.37%44.60%47.00%47.38%+478 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