PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First State Bank

Austin, TX · Cert 19876

FDIC

Q3 1998

$580.2MAssets
$257.9MLoans
$517.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -5.84%, down 696 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 49.82% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

-5.84%-696 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 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998YoY ΔTrend
Earnings
Return on Assets1.14%1.12%1.15%1.12%1.10%0.86%0.95%-5.84%-696 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)21.34%19.02%20.77%21.66%18.17%16.34%8.85%1.36%-2,029 bps
Loan Growth (YoY)39.08%44.05%29.49%22.16%10.07%5.73%5.52%-14.48%-3,664 bps
Deposit Growth (YoY)21.24%19.88%22.20%23.58%19.01%17.88%9.86%1.30%-2,229 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 / Deposits62.15%63.61%58.62%59.01%57.49%57.05%56.31%49.82%-919 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