PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Union National Bank of Texas

Laredo, TX · Cert 1489

FDIC

Q2 1996

$243.4MAssets
$95.4MLoans
$227.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.04%, up 15 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 41.92% of deposits as of Q2 1996.

Return on Assets (YTD, annualized)

0.04%+15 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.

MetricQ3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996YoY ΔTrend
Earnings
Return on Assets-0.66%-0.65%-0.04%-0.11%-0.10%-0.05%-0.57%0.04%+15 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/a-7.41%-9.49%-13.17%-5.53%-2.33%1.89%+1,138 bps
Loan Growth (YoY)n/an/a-3.70%-10.33%-8.83%-7.82%-9.89%-20.98%-1,065 bps
Deposit Growth (YoY)n/an/a-9.15%-9.62%-13.70%-6.42%0.44%0.33%+995 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 / Deposits50.57%52.17%53.44%53.22%53.42%51.39%47.94%41.92%-1,131 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