PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Interstate Bk of TX NA

Houston, TX · Cert 24344

FDIC

Q1 2000

$7.6BAssets
$3.6BLoans
$5.2BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -0.86%, down 278 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 69.05% of deposits as of Q1 2000.

Return on Assets (YTD, annualized)

-0.86%-278 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.

MetricQ2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000YoY ΔTrend
Earnings
Return on Assets2.11%2.05%1.48%1.92%2.03%2.03%1.86%-0.86%-278 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)1.05%2.50%30.98%9.72%14.41%13.02%-6.98%9.98%+26 bps
Loan Growth (YoY)-12.36%-4.87%-7.13%-7.44%-7.36%-2.59%6.48%19.13%+2,656 bps
Deposit Growth (YoY)2.26%3.33%9.34%3.52%3.92%-2.64%-1.62%-1.33%-485 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 / Deposits63.23%64.86%59.79%57.20%56.36%64.89%64.71%69.05%+1,185 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