PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Bank of Eureka

Eureka, IL · Cert 921

FDIC

Q1 1997

$57.1MAssets
$34.0MLoans
$48.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.93%, up 51 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 70.36% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

1.93%+51 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.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets1.39%1.38%1.35%1.42%1.48%1.51%1.74%1.93%+51 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)4.08%-0.39%4.05%7.16%3.22%1.41%11.21%1.28%-588 bps
Loan Growth (YoY)7.77%5.91%-0.36%-0.64%10.15%13.57%16.14%17.44%+1,808 bps
Deposit Growth (YoY)3.96%-2.56%2.78%12.01%0.97%0.39%11.19%-1.15%-1,316 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 / Deposits61.69%60.33%60.72%59.22%67.30%68.25%63.42%70.36%+1,113 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