PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

University NB Galveston

Galveston, TX · Cert 19718

FDIC

Q2 1996

$90.2MAssets
$36.8MLoans
$66.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.14%, down 59 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 55.19% of deposits as of Q2 1996.

Return on Assets (YTD, annualized)

0.14%-59 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 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996YoY ΔTrend
Earnings
Return on Assets0.82%0.85%0.75%0.73%0.70%0.68%0.95%0.14%-59 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/a-8.05%-10.38%3.64%6.94%11.92%1.87%+1,225 bps
Loan Growth (YoY)n/an/a1.61%1.16%5.13%20.92%17.31%6.21%+505 bps
Deposit Growth (YoY)n/an/a-14.30%-9.24%0.70%-0.96%0.64%-12.97%-373 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 / Deposits49.72%47.83%49.30%45.23%51.91%58.39%57.46%55.19%+997 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