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Howe State Bank

Howe, TX · Cert 19122

FDIC

Q2 2000

$39.4MAssets
$31.5MLoans
$36.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.68%, up 67 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 87.09% of deposits as of Q2 2000.

Return on Assets (YTD, annualized)

1.68%+67 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 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000YoY ΔTrend
Earnings
Return on Assets2.77%2.63%1.13%1.01%1.12%1.16%1.40%1.68%+67 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)-0.29%8.50%10.57%23.77%34.52%33.37%38.57%21.56%-221 bps
Loan Growth (YoY)11.33%15.38%27.20%43.38%39.69%43.73%44.97%38.92%-446 bps
Deposit Growth (YoY)-1.15%8.14%10.43%25.10%36.61%34.16%39.19%19.99%-511 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 / Deposits71.65%74.16%75.73%75.22%73.27%79.45%78.88%87.09%+1,187 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