PackageTrendsPeer
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First NB of Dayton

Dayton, TX · Cert 23388

FDIC

Q3 1997

$16.1MAssets
$8.4MLoans
$14.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.39%, unchanged from a year ago.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 59.83% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

1.39%0 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.

MetricQ4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets1.50%0.86%1.12%1.39%1.40%2.47%1.78%1.39%0 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)0.57%-1.89%1.29%5.00%2.56%5.49%0.58%0.71%-428 bps
Loan Growth (YoY)-0.34%14.77%14.78%10.68%7.82%7.64%5.46%13.93%+324 bps
Deposit Growth (YoY)-1.23%-3.38%0.39%4.37%1.42%4.36%-1.25%-0.86%-523 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 / Deposits46.03%49.74%52.25%52.07%48.93%51.30%55.81%59.83%+776 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