PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fidelity Bank National Assn

University Park, TX · Cert 24943

FDIC

Q4 1997

$334.9MAssets
$150.6MLoans
$306.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.80%, down 45 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 49.20% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

0.80%-45 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 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets1.30%1.24%1.25%1.24%1.20%1.31%1.36%0.80%-45 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)36.49%39.51%18.01%17.28%14.96%0.83%3.90%6.55%-1,073 bps
Loan Growth (YoY)8.03%23.65%18.46%18.48%27.32%17.63%9.94%5.73%-1,275 bps
Deposit Growth (YoY)37.30%40.82%17.82%17.26%14.68%-0.89%2.45%5.33%-1,192 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 / Deposits48.21%46.91%50.77%49.02%53.52%55.67%54.48%49.20%+18 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