PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Bank

Katy, TX · Cert 16236

FDIC

Q1 1999

$288.9MAssets
$102.7MLoans
$254.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.13%, down 33 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 40.29% of deposits as of Q1 1999.

Return on Assets (YTD, annualized)

1.13%-33 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 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999YoY ΔTrend
Earnings
Return on Assets1.52%1.58%1.56%1.46%-3.62%-2.03%-1.48%1.13%-33 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)0.98%1.12%3.07%3.28%2.71%-5.89%-6.57%-9.95%-1,323 bps
Loan Growth (YoY)16.42%15.99%13.19%9.24%-0.78%-4.17%-9.30%-15.68%-2,492 bps
Deposit Growth (YoY)0.81%0.80%3.07%2.18%2.44%-6.76%-7.81%-11.47%-1,365 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 / Deposits43.03%43.74%42.87%42.31%41.68%44.95%42.18%40.29%-201 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