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NBC Bank Rockdale

Rockdale, TX · Cert 11567

FDIC

Q4 2000

$117.5MAssets
$33.9MLoans
$103.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.39%, up 16 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 32.88% of deposits as of Q4 2000.

Return on Assets (YTD, annualized)

1.39%+16 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 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets1.02%1.17%1.22%1.23%1.19%1.28%1.38%1.39%+16 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)0.80%0.17%-0.37%-1.50%-3.30%-1.72%1.88%3.82%+533 bps
Loan Growth (YoY)25.72%24.14%23.15%27.75%11.22%10.66%10.26%-1.71%-2,946 bps
Deposit Growth (YoY)0.60%0.21%1.67%1.11%-1.85%-1.38%2.00%1.66%+55 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 / Deposits27.13%30.31%31.74%34.01%30.74%34.02%34.31%32.88%-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