PackageTrendsPeer
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American National Bank

Texarkana, TX · Cert 22695

FDIC

Q2 1998

$189.5MAssets
$112.7MLoans
$172.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.32%, down 12 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 65.50% of deposits as of Q2 1998.

Return on Assets (YTD, annualized)

1.32%-12 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 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998YoY ΔTrend
Earnings
Return on Assets1.18%1.20%1.38%1.44%1.16%1.17%1.21%1.32%-12 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)59.69%-5.91%-0.17%1.37%3.62%8.01%9.07%7.00%+564 bps
Loan Growth (YoY)44.42%8.40%11.45%10.35%6.30%5.94%1.98%2.02%-833 bps
Deposit Growth (YoY)64.51%-7.18%-1.38%3.07%4.74%9.64%13.48%8.62%+555 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 / Deposits65.91%66.41%70.80%69.74%66.89%64.17%63.63%65.50%-424 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