PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens First Bank

El Dorado, AR · Cert 95

FDIC

Q2 1998

$116.6MAssets
$68.4MLoans
$99.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.89%, up 21 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 68.70% of deposits as of Q2 1998.

Return on Assets (YTD, annualized)

0.89%+21 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 Assets0.62%0.54%0.61%0.68%0.67%0.75%0.79%0.89%+21 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)-8.06%-7.18%-4.23%-2.32%2.60%4.68%-0.09%-5.08%-276 bps
Loan Growth (YoY)-5.80%4.27%1.74%3.86%6.74%6.68%6.25%7.17%+331 bps
Deposit Growth (YoY)-7.12%-8.85%-4.38%-1.72%-1.38%3.49%0.18%-5.77%-406 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 / Deposits58.63%62.78%58.98%60.41%63.46%64.71%62.55%68.70%+830 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