PackageTrendsPeer
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NBC Bank-Laredo NA

Laredo, TX · Cert 21071

FDIC

Q4 2000

$117.4MAssets
$68.7MLoans
$101.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.35%, down 3 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 68.09% of deposits as of Q4 2000.

Return on Assets (YTD, annualized)

1.35%-3 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.

MetricQ1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets1.39%1.35%1.35%1.38%1.45%1.36%1.35%1.35%-3 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)10.09%9.78%22.35%20.31%25.35%27.60%8.70%18.21%-211 bps
Loan Growth (YoY)24.23%18.34%22.18%20.24%12.68%11.34%16.23%14.70%-554 bps
Deposit Growth (YoY)7.55%8.00%23.19%23.43%30.57%32.04%9.56%14.13%-930 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 / Deposits74.17%74.44%62.58%67.75%64.01%62.77%66.39%68.09%+34 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