PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First NB of Missouri City

Missouri City, TX · Cert 24346

FDIC

Q4 1998

$92.9MAssets
$59.6MLoans
$80.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.29%, down 180 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 73.71% of deposits as of Q4 1998.

Return on Assets (YTD, annualized)

0.29%-180 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 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets1.78%1.93%2.09%2.09%1.86%1.90%1.90%0.29%-180 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)1.30%4.19%5.54%1.74%11.09%13.80%9.69%7.82%+607 bps
Loan Growth (YoY)11.41%9.92%11.07%7.83%7.48%7.84%4.38%-1.73%-956 bps
Deposit Growth (YoY)0.33%1.80%5.47%2.64%10.65%16.24%9.38%8.47%+583 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 / Deposits79.45%82.04%82.02%81.36%77.17%76.11%78.26%73.71%-765 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