PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Selmer Bank&Trust Co.

Selmer, TN · Cert 9167

FDIC

Q2 1998

$94.4MAssets
$47.4MLoans
$86.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.46%, down 36 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 54.74% of deposits as of Q2 1998.

Return on Assets (YTD, annualized)

1.46%-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 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998YoY ΔTrend
Earnings
Return on Assets1.76%1.04%1.75%1.82%1.52%1.44%1.74%1.46%-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)4.76%2.83%3.23%4.99%2.85%-2.68%-8.94%-7.76%-1,275 bps
Loan Growth (YoY)7.66%8.49%2.55%0.34%-3.42%-6.48%-4.57%-5.49%-583 bps
Deposit Growth (YoY)4.40%3.20%2.98%3.17%1.75%2.99%-2.47%-0.18%-336 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 / Deposits61.33%61.44%57.01%57.82%58.22%55.80%55.78%54.74%-307 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