PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Sierra Bank

Truth Or Consequ, NM · Cert 21532

FDIC

Q2 1999

$152.2MAssets
$93.6MLoans
$136.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.32%, up 4 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 68.69% of deposits as of Q2 1999.

Return on Assets (YTD, annualized)

0.32%+4 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 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999YoY ΔTrend
Earnings
Return on Assets0.34%0.23%0.47%0.28%0.36%0.37%0.53%0.32%+4 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)64.60%38.63%30.75%39.22%36.18%28.89%24.26%9.78%-2,944 bps
Loan Growth (YoY)68.17%44.79%26.78%22.82%12.52%4.57%5.80%7.12%-1,570 bps
Deposit Growth (YoY)66.08%37.26%30.38%34.34%31.65%26.35%20.07%9.04%-2,531 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 / Deposits75.19%79.25%72.72%69.92%64.26%65.59%64.07%68.69%-123 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