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First National Bank of Amarillo, The

Amarillo, TX · Cert 19427

FDIC

Q2 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2002, the quarter ended June 30, 2002, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Amarillo, The

Amarillo, TX · Cert 19427

FDIC

Q2 2002

$365.6MAssets
$280.6MLoans
$278.4MDeposits
$83.1MEquity
Deposit mix
72%Interest-bearing $200.6M28%Noninterest $77.7MQ2 2001Q2 2002

NIM

7.92%Q1 ’017.78%Q2 ’011.72%Q2 ’02+2%-71%

Non-interest income vs. expense

2.60%Q1 ’012.89%Q2 ’011.00%Q2 ’02+13%-67%

Executive Summary

  • Earnings: ROA of 0.55%, down 173 bps year over year; NIM at 1.48%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 100.82% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

0.55%-173 bps YoY

Net Interest Margin (YTD, annualized)

1.48%-357 bps YoY

Efficiency Ratio (YTD, annualized)

53.36%+492 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets2.28%2.09%1.97%1.36%0.55%-173 bps
Return on Equityn/an/an/a8.70%3.04%n/a
Net Interest Margin5.05%5.00%4.80%3.91%1.48%-357 bps
Efficiency Ratio48.45%50.34%51.02%56.39%53.36%+492 bps
Non-Interest Burden1.97%2.06%1.99%1.81%0.66%-132 bps
Growth
Asset Growth (YoY)11.10%3.06%-3.41%-2.26%0.04%-1,106 bps
Loan Growth (YoY)7.93%8.10%-2.62%-8.34%-11.19%-1,913 bps
Deposit Growth (YoY)8.11%-4.81%5.59%4.65%-3.51%-1,163 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-1.33%-0.82%-0.49%0.21%0.01%+133 bps
Allowance / Loans1.97%1.87%1.80%1.86%5.65%+368 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital18.11%17.24%18.60%19.81%17.91%-20 bps
Equity / Assets14.66%14.60%15.24%16.00%22.73%+807 bps
Liquidity & Funding
Loans / Deposits109.54%124.31%105.24%103.06%100.82%-872 bps
Liquid Assets / Assets0.01%0.00%0.00%0.01%0.00%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a