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First State Bank

Crane, TX · Cert 16690

FDIC

Q4 1995

$23.1MAssets
$5.4MLoans
$21.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.13%, down 15 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 25.34% of deposits as of Q4 1995.

Return on Assets (YTD, annualized)

1.13%-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.

MetricQ1 1994Q2 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets1.22%1.29%1.21%1.28%0.36%0.83%1.01%1.13%-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/an/an/a-18.23%-11.56%2.97%9.55%n/a
Loan Growth (YoY)n/an/an/an/a5.68%12.45%14.72%9.92%n/a
Deposit Growth (YoY)n/an/an/an/a-27.03%-20.37%2.08%8.07%n/a
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 / Deposits22.10%23.73%24.52%24.92%32.01%33.51%27.55%25.34%+43 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