PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First STB NA

Abilene, TX · Cert 24343

FDIC

Q4 2000

$479.4MAssets
$235.9MLoans
$396.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.07%, down 83 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 59.53% of deposits as of Q4 2000.

Return on Assets (YTD, annualized)

0.07%-83 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 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets0.85%0.94%0.96%0.90%1.00%0.87%0.03%0.07%-83 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)35.11%36.42%34.81%33.04%-2.09%-2.17%4.61%34.23%+120 bps
Loan Growth (YoY)31.12%29.47%31.20%32.12%1.77%0.13%-5.19%27.67%-445 bps
Deposit Growth (YoY)31.24%32.68%30.98%29.44%-2.72%-2.88%-2.02%24.37%-507 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 / Deposits56.18%56.46%58.35%57.99%58.77%58.21%56.47%59.53%+154 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