PackageTrendsPeer
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Hartland Bank National Assn

Austin, TX · Cert 24189

FDIC

Q3 1999

$300.1MAssets
$166.3MLoans
$262.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.55%, down 2 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 63.40% of deposits as of Q3 1999.

Return on Assets (YTD, annualized)

1.55%-2 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 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets1.81%1.42%1.58%1.56%1.56%1.45%1.51%1.55%-2 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)22.25%28.84%21.19%22.67%21.10%13.14%11.37%3.46%-1,922 bps
Loan Growth (YoY)17.46%25.03%24.04%24.56%16.21%9.94%1.23%-3.46%-2,801 bps
Deposit Growth (YoY)23.59%25.70%17.19%21.19%18.06%15.41%13.62%4.35%-1,684 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 / Deposits64.93%68.60%71.54%68.53%63.91%65.34%63.74%63.40%-513 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