PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Caminoreal Bank, N.A.

San Antonio, TX · Cert 25765

FDIC

Q1 2001

$322.7MAssets
$149.9MLoans
$259.4MDeposits
$43.4MEquity
Loan mix
44%RE $26.3M55%C&I $33.3M1%Consumer $0.7MQ1 2000Q1 2001
Deposit mix
92%Interest-bearing $239.0M8%Noninterest $20.4MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of -0.75%, down 195 bps year over year; NIM at 0.32%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 57.80% of deposits as of Q1 2001.

Financial Results

Return on Assets (YTD, annualized)

-0.75%-195 bps YoY

Net Interest Margin (YTD, annualized)

0.32%

Efficiency Ratio (YTD, annualized)

367%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.21%1.18%1.16%1.22%-0.75%-195 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a0.32%n/an/a
Efficiency Ration/an/an/an/a367%n/an/a
Non-Interest Burdenn/an/an/an/a1.43%n/an/a
Growth
Asset Growth (YoY)-0.24%1.05%5.36%9.11%10.98%+1,122 bps
Loan Growth (YoY)12.34%12.57%10.85%10.62%7.11%-523 bps
Deposit Growth (YoY)-2.28%-0.27%6.05%8.74%1.74%+402 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a-0.01%n/an/a
Allowance / Loansn/an/an/an/a1.26%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a13.64%n/an/a
Equity / Assetsn/an/an/an/a13.44%n/an/a
Liquidity & Funding
Loans / Deposits54.90%56.75%57.47%56.89%57.80%+290 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.32%+32 bps
CRE / Total Capitaln/an/an/an/an/an/an/a