PackageTrendsPeer
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First NB in Luling

Luling, TX · Cert 13426

FDIC

Q3 2000

$34.7MAssets
$17.1MLoans
$28.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.22%, up 22 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 60.67% of deposits as of Q3 2000.

Return on Assets (YTD, annualized)

1.22%+22 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 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000YoY ΔTrend
Earnings
Return on Assets0.88%0.82%0.98%1.00%1.03%1.09%1.17%1.22%+22 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)5.78%10.04%3.79%6.47%0.77%3.98%5.78%9.29%+282 bps
Loan Growth (YoY)18.26%10.50%10.04%13.40%13.57%5.85%6.47%2.42%-1,097 bps
Deposit Growth (YoY)6.09%11.47%3.46%6.93%0.15%4.03%6.07%10.06%+313 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 / Deposits62.63%62.93%64.05%65.20%71.02%64.03%64.29%60.67%-453 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