PackageTrendsPeer
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First Bank

Houston, TX · Cert 20017

FDIC

Q2 2000

$137.6MAssets
$87.1MLoans
$117.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.97%, up 46 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 74.28% of deposits as of Q2 2000.

Return on Assets (YTD, annualized)

1.97%+46 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 Assets1.53%1.47%1.63%1.51%1.58%1.58%1.66%1.97%+46 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)14.61%13.20%6.63%5.19%9.05%13.64%10.22%7.55%+236 bps
Loan Growth (YoY)21.06%15.70%12.40%20.01%18.23%14.54%18.22%17.70%-231 bps
Deposit Growth (YoY)18.05%9.76%4.02%3.57%7.89%17.74%11.41%9.68%+611 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 / Deposits64.72%65.61%68.30%69.22%70.92%63.82%72.48%74.28%+506 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