PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Sierra Blanca

Sierra Blanca, TX · Cert 22002

FDIC

Q3 2001

$10.8MAssets
$7.9MLoans
$9.9MDeposits
$770KEquity
Deposit mix
83%Interest-bearing $8.2M17%Noninterest $1.7MQ3 2000Q3 2001

NIM

7.04%Q1 ’017.31%Q2 ’018.88%Q3 ’01-1%+44%

Non-interest income vs. expense

5.16%Q1 ’015.89%Q2 ’015.83%Q3 ’01+43%+26%

Executive Summary

  • Earnings: ROA of -0.87%, up 1,217 bps year over year; NIM at 5.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 6.66%.
  • Funding: loans stand at 80.02% of deposits as of Q3 2001.

Financial Results

Return on Assets (quarter, annualized)

-0.87%+1,217 bps YoY

Net Interest Margin (quarter, annualized)

5.87%

Efficiency Ratio (quarter, annualized)

104.55%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets-13.04%-6.95%-7.47%-1.35%-0.87%+1,217 bps
Return on Equityn/an/an/a-21.93%-12.78%n/a
Net Interest Marginn/an/a4.11%4.08%5.87%n/a
Efficiency Ration/an/a88.21%115.48%104.55%n/a
Non-Interest Burdenn/an/a3.42%4.87%6.12%n/a
Growth
Asset Growth (YoY)-18.70%-8.27%-7.17%-8.09%-12.99%+571 bps
Loan Growth (YoY)-13.34%-15.56%-15.09%-20.66%-16.50%-317 bps
Deposit Growth (YoY)-13.87%-7.35%-4.79%-8.92%-17.08%-321 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.80%13.51%6.66%n/a
Allowance / Loansn/an/a8.67%6.12%5.47%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/a7.20%8.13%7.94%n/a
Equity / Assetsn/an/a5.82%6.54%7.15%n/a
Liquidity & Funding
Loans / Deposits79.47%72.60%75.67%74.33%80.02%+55 bps
Liquid Assets / Assets0.00%0.00%13.46%13.18%10.18%+1,018 bps
CRE / Total Capitaln/an/an/an/an/an/an/a