PackageTrendsPeer
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National Bank of Commerce

Pampa, TX · Cert 24567

FDIC

Q3 2000

$102.0MAssets
$58.3MLoans
$85.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.17%, up 8 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 68.60% of deposits as of Q3 2000.

Return on Assets (YTD, annualized)

1.17%+8 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 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000YoY ΔTrend
Earnings
Return on Assets1.29%1.33%0.98%1.09%1.21%0.90%1.06%1.17%+8 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)49.25%-0.94%-2.23%4.26%3.91%15.20%10.12%7.91%+365 bps
Loan Growth (YoY)30.97%8.81%8.04%4.78%6.04%2.72%1.71%-1.81%-659 bps
Deposit Growth (YoY)48.62%-0.99%-2.33%-1.28%-1.40%7.63%2.01%5.06%+634 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 / Deposits68.47%74.50%75.77%73.41%73.63%71.10%75.55%68.60%-480 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