PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Texas B&T NA

Dallas, TX · Cert 24339

FDIC

Q3 1998

$109.3MAssets
$45.8MLoans
$99.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.95%, down 5 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 46.05% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

0.95%-5 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 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998YoY ΔTrend
Earnings
Return on Assets1.06%0.93%0.97%0.99%1.02%0.69%0.87%0.95%-5 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)14.50%-0.33%-4.37%-12.18%2.09%13.96%6.03%23.54%+3,572 bps
Loan Growth (YoY)29.71%5.33%-38.53%-37.53%-47.32%-29.48%1.40%0.59%+3,812 bps
Deposit Growth (YoY)-5.09%-1.37%13.82%-3.38%22.63%21.03%5.42%25.42%+2,880 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 / Deposits99.50%87.45%50.96%57.41%42.75%50.96%49.02%46.05%-1,137 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