PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sunwest Bank of El Paso

El Paso, TX · Cert 19197

FDIC

Q2 1998

$635.0MAssets
$102.5MLoans
$395.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.30%, up 28 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 25.94% of deposits as of Q2 1998.

Return on Assets (YTD, annualized)

1.30%+28 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 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998YoY ΔTrend
Earnings
Return on Assets1.17%1.22%1.16%1.02%1.05%1.18%1.21%1.30%+28 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)3.34%1.58%9.74%10.76%7.89%10.24%1.31%4.49%-626 bps
Loan Growth (YoY)-2.42%-2.91%-3.19%-11.87%-22.95%-31.37%-36.66%-51.95%-4,008 bps
Deposit Growth (YoY)3.55%1.29%-6.60%-7.44%-11.91%-14.54%-9.31%-9.30%-185 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 / Deposits51.39%49.02%51.86%48.97%44.95%39.37%36.22%25.94%-2,303 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