PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sunbelt National Bank

Spring Valley, TX · Cert 24604

FDIC

Q1 1998

$87.3MAssets
$49.1MLoans
$78.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.14%, up 26 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 62.63% of deposits as of Q1 1998.

Return on Assets (YTD, annualized)

1.14%+26 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 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998YoY ΔTrend
Earnings
Return on Assets1.26%1.25%1.14%0.88%1.07%1.14%0.53%1.14%+26 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)3.11%5.01%10.15%15.93%16.48%8.22%5.14%-1.16%-1,709 bps
Loan Growth (YoY)-2.74%-0.22%11.24%11.33%11.94%10.03%-6.85%-12.68%-2,401 bps
Deposit Growth (YoY)2.11%4.14%9.67%16.58%16.73%8.06%3.69%-2.59%-1,916 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 / Deposits67.08%65.80%68.07%69.87%64.32%67.00%61.15%62.63%-724 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