PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Victoria Bank&Trust Co.

Victoria, TX · Cert 16931

FDIC

Q3 1997

$2.8BAssets
$1.5BLoans
$2.5BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.86%, up 157 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 62.23% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

0.86%+157 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 Assets0.84%1.05%-1.88%-0.70%-0.50%0.67%0.85%0.86%+157 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)13.28%13.25%0.64%2.92%7.06%33.81%50.79%38.15%+3,523 bps
Loan Growth (YoY)34.18%25.37%15.81%7.92%33.92%109.03%117.31%87.86%+7,994 bps
Deposit Growth (YoY)13.73%13.79%1.76%4.65%6.81%36.55%53.41%42.80%+3,815 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 / Deposits49.43%43.10%45.64%47.31%61.97%65.98%64.65%62.23%+1,493 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