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First State Bank

Brackettville, TX · Cert 11927

FDIC

Q4 1997

$14.8MAssets
$3.7MLoans
$13.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.21%, down 1 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 27.53% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

1.21%-1 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 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets1.00%1.15%1.20%1.22%1.17%1.28%1.23%1.21%-1 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)7.78%4.01%6.89%9.84%2.42%1.78%4.15%5.53%-431 bps
Loan Growth (YoY)9.36%18.79%18.57%10.47%4.32%-5.02%-9.45%-11.86%-2,233 bps
Deposit Growth (YoY)7.74%4.35%7.61%10.74%2.46%1.06%3.82%5.66%-508 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 / Deposits31.37%35.90%35.41%33.00%31.94%33.74%30.88%27.53%-547 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