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Burleson State Bank

Burleson, TX · Cert 20417

FDIC

Q2 1997

$70.4MAssets
$33.5MLoans
$63.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.59%, down 11 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 52.74% of deposits as of Q2 1997.

Return on Assets (YTD, annualized)

1.59%-11 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 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997YoY ΔTrend
Earnings
Return on Assets1.85%1.68%1.88%1.69%1.59%1.56%1.40%1.59%-11 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)3.57%-3.68%2.31%3.69%11.32%10.68%8.58%9.54%+584 bps
Loan Growth (YoY)-13.86%-14.45%-11.50%1.63%57.29%56.34%49.16%40.60%+3,897 bps
Deposit Growth (YoY)1.08%-3.83%3.75%5.26%8.19%11.76%9.30%10.45%+519 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 / Deposits38.48%38.71%39.55%41.43%55.94%54.15%53.98%52.74%+1,131 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