PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Security Trust&Savings Bank

Shenandoah, IA · Cert 967

FDIC

Q1 1998

$36.8MAssets
$24.0MLoans
$32.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.97%, up 29 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 74.43% of deposits as of Q1 1998.

Return on Assets (YTD, annualized)

0.97%+29 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 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998YoY ΔTrend
Earnings
Return on Assets0.92%0.94%0.91%0.68%0.84%0.88%0.89%0.97%+29 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)-3.35%-4.41%-8.31%-6.49%-2.01%-3.13%0.00%-0.95%+553 bps
Loan Growth (YoY)19.65%9.09%11.95%16.82%9.15%11.92%10.87%6.86%-996 bps
Deposit Growth (YoY)-3.49%-4.83%-9.00%-6.86%-2.02%-3.44%0.36%-1.99%+487 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 / Deposits65.46%67.10%67.81%68.26%72.92%77.78%74.91%74.43%+616 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