PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

University State Bank

Houston, TX · Cert 15885

FDIC

Q3 1997

$228.1MAssets
$141.8MLoans
$203.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.93%, up 15 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 69.82% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

0.93%+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.

MetricQ4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets0.72%0.67%0.77%0.78%0.80%0.68%0.83%0.93%+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)7.44%6.61%4.49%2.79%3.76%5.17%6.14%2.20%-59 bps
Loan Growth (YoY)-9.61%3.02%29.43%34.17%43.85%44.88%27.65%17.72%-1,645 bps
Deposit Growth (YoY)6.55%6.44%5.20%-0.51%3.54%5.11%6.07%5.40%+591 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 / Deposits46.74%49.35%57.45%62.51%64.93%68.02%69.14%69.82%+730 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