PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

State Bank of Marion

Marion, ND · Cert 9119

FDIC

Q3 1996

$13.8MAssets
$6.7MLoans
$11.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.23%, down 104 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 60.19% of deposits as of Q3 1996.

Return on Assets (YTD, annualized)

0.23%-104 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 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996YoY ΔTrend
Earnings
Return on Assets0.67%0.74%0.91%1.27%0.12%0.21%-0.18%0.23%-104 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)n/a-13.56%-8.14%-3.02%3.60%15.18%12.70%14.01%+1,703 bps
Loan Growth (YoY)n/a9.92%4.56%5.21%1.33%4.44%17.12%14.59%+938 bps
Deposit Growth (YoY)n/a-14.91%-5.96%-3.84%7.40%15.48%12.45%7.40%+1,123 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 / Deposits51.80%48.05%54.24%56.41%48.87%43.46%56.49%60.19%+378 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