PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

State National Bank, El Paso, Texas

El Paso, TX · Cert 21724

FDIC

Q4 2002

$584.5MAssets
$387.3MLoans
$487.1MDeposits
$71.4MEquity
Loan mix
44%RE $78.1M55%C&I $96.9M0%Consumer $0.7MQ1 2001Q4 2002
Deposit mix
72%Interest-bearing $351.0M28%Noninterest $136.1MQ1 2001Q4 2002

Executive Summary

  • Earnings: ROA of 1.15%, up 22 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.20%.
  • Funding: loans stand at 79.51% of deposits as of Q4 2002.

Return on Assets (YTD, annualized)

1.15%+22 bps YoY

Net Interest Margin (YTD, annualized)

4.45%-4 bps YoY

Efficiency Ratio (YTD, annualized)

65.52%-606 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.38%Q1 ’016.88%Q4 ’015.64%Q4 ’02+1%-1%

Non-interest income vs. expense

4.08%Q1 ’014.08%Q4 ’014.00%Q4 ’02-4%-8%

Year to date, annualized, through each quarter.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets0.76%0.84%0.85%0.92%1.11%1.11%1.09%1.15%+22 bps
Return on Equityn/an/an/an/a8.24%8.40%8.34%8.91%n/a
Net Interest Margin4.43%4.22%4.30%4.49%4.54%4.58%4.47%4.45%-4 bps
Efficiency Ratio74.07%75.06%73.95%71.58%63.49%62.80%65.35%65.52%-606 bps
Non-Interest Burden3.01%2.92%2.90%2.87%2.64%2.59%2.66%2.64%-23 bps
Growth
Asset Growth (YoY)-0.69%21.79%15.92%13.58%12.44%-5.93%-0.24%0.71%-1,287 bps
Loan Growth (YoY)8.61%28.31%29.44%33.37%30.07%12.01%15.07%11.51%-2,186 bps
Deposit Growth (YoY)-1.96%21.83%15.51%14.60%12.39%-6.64%-0.65%0.84%-1,375 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 / Loans0.23%0.48%0.44%0.49%0.19%0.30%0.22%0.20%-29 bps
Allowance / Loans1.24%1.40%1.32%1.22%1.21%1.25%1.20%1.20%-2 bps
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 Capital12.94%14.57%15.05%15.09%15.40%13.92%13.33%12.70%-239 bps
Equity / Assets12.29%12.47%13.03%13.41%13.48%12.74%12.54%12.21%-120 bps
Liquidity & Funding
Loans / Deposits64.43%63.55%68.34%71.90%74.57%76.25%79.16%79.51%+761 bps
Liquid Assets / Assets0.06%2.46%3.43%1.71%0.43%1.20%1.64%0.65%-107 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a