PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First B&T of Clarendon

Clarendon, TX · Cert 1180

FDIC

Q3 1997

$31.9MAssets
$12.6MLoans
$28.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.22%, down 5 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 44.05% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

1.22%-5 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.

MetricQ4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets1.23%1.20%1.37%1.28%1.24%0.94%1.11%1.22%-5 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)1.17%3.03%2.42%-2.90%-4.24%-2.04%-0.71%1.13%+403 bps
Loan Growth (YoY)5.10%9.53%12.60%0.56%3.12%9.81%18.30%14.33%+1,377 bps
Deposit Growth (YoY)0.66%2.65%-1.46%-3.94%-5.06%-1.46%2.90%1.16%+510 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 / Deposits33.86%34.50%36.82%38.98%36.78%38.44%42.33%44.05%+508 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