PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Custer County State Bank

Arapaho, OK · Cert 8981

FDIC

Q2 1999

$13.6MAssets
$4.2MLoans
$11.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.93%, down 36 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 35.76% of deposits as of Q2 1999.

Return on Assets (YTD, annualized)

1.93%-36 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.

MetricQ3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999YoY ΔTrend
Earnings
Return on Assets1.47%1.53%2.36%2.29%2.27%2.25%1.96%1.93%-36 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)1.95%1.21%1.37%5.89%0.45%4.33%6.79%7.18%+129 bps
Loan Growth (YoY)10.45%12.35%16.30%20.04%1.24%8.45%6.18%-3.13%-2,318 bps
Deposit Growth (YoY)1.51%0.45%0.92%5.72%-0.78%3.65%8.22%8.79%+307 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 / Deposits37.14%41.27%39.22%40.16%37.90%43.18%38.48%35.76%-440 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