PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Texas Bank

Baytown, TX · Cert 20359

FDIC

Q3 1997

$39.2MAssets
$19.0MLoans
$35.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.55%, down 75 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 54.04% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

0.55%-75 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 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets1.11%0.66%1.25%1.31%1.31%1.06%0.78%0.55%-75 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)6.15%2.58%7.42%2.03%1.16%25.19%6.71%3.36%+133 bps
Loan Growth (YoY)0.12%-2.49%1.28%-4.41%4.36%1.61%-2.90%-2.54%+187 bps
Deposit Growth (YoY)4.83%1.89%7.33%1.77%0.81%27.03%7.07%3.15%+137 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 / Deposits53.84%53.74%56.52%57.19%55.73%42.99%51.26%54.04%-315 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