PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Valley Bank

Raymondville, TX · Cert 11166

FDIC

Q4 1998

$462.2MAssets
$200.4MLoans
$417.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.88%, up 316 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 48.04% of deposits as of Q4 1998.

Return on Assets (YTD, annualized)

0.88%+316 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.

MetricQ1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets1.39%1.29%1.33%-2.28%1.14%0.94%0.91%0.88%+316 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)22.08%4.10%1.43%1.31%0.00%-0.88%0.49%2.35%+104 bps
Loan Growth (YoY)17.07%5.10%3.73%-9.13%-15.31%-18.90%-20.19%-18.19%-906 bps
Deposit Growth (YoY)21.23%3.72%0.76%2.44%0.63%-0.39%0.75%0.26%-218 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 / Deposits67.96%70.15%67.79%58.88%57.19%57.12%53.70%48.04%-1,083 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