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Letter portraitLegal landscapeQuarterYTD

First State Bank&Trust Co.

Mission, TX · Cert 11901

FDIC

Q1 1996

$428.7MAssets
$190.1MLoans
$364.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 2.18%, down 55 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 52.23% of deposits as of Q1 1996.

Return on Assets (YTD, annualized)

2.18%-55 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 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996YoY ΔTrend
Earnings
Return on Assets2.43%2.43%2.19%2.73%2.59%2.39%2.12%2.18%-55 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)n/an/an/a-2.26%0.12%2.19%0.93%4.28%+654 bps
Loan Growth (YoY)n/an/an/a0.73%-3.75%-0.82%-2.69%-1.45%-219 bps
Deposit Growth (YoY)n/an/an/a-4.02%-1.20%1.37%0.04%2.98%+700 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 / Deposits51.15%51.93%55.07%54.57%49.83%50.81%53.57%52.23%-235 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