PackageTrendsPeer
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West University Bank NA

Houston, TX · Cert 22225

FDIC

Q4 1997

$67.5MAssets
$34.2MLoans
$62.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -0.31%, down 56 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 54.91% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

-0.31%-56 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 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets-0.35%-0.09%0.01%0.26%0.52%0.87%0.63%-0.31%-56 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)-2.73%-1.72%1.70%5.29%5.69%8.87%8.84%6.28%+99 bps
Loan Growth (YoY)-9.02%-12.19%-9.50%-5.19%2.30%2.16%-0.02%-6.08%-88 bps
Deposit Growth (YoY)2.03%2.65%4.66%5.75%8.18%9.68%8.77%5.46%-29 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 / Deposits67.65%65.84%64.40%61.65%63.98%61.32%59.20%54.91%-674 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