PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northwest National Bank of Arlington

Arlington, TX · Cert 25767

FDIC

Q1 2005

$50.4MAssets
$26.6MLoans
$44.7MDeposits
$5.3MEquity
Loan mix
29%RE $4.2M71%C&I $10.4M0%Consumer $0.0MQ1 2004Q1 2005
Deposit mix
66%Interest-bearing $29.7M34%Noninterest $15.1MQ1 2004Q1 2005

NIM

5.26%Q1 ’035.34%Q1 ’045.24%Q1 ’05+24%+2%

Non-interest income vs. expense

3.81%Q1 ’034.04%Q1 ’044.29%Q1 ’05+4%+9%

Executive Summary

  • Earnings: ROA of 0.18%, down 13 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.05%.
  • Funding: loans stand at 59.43% of deposits as of Q1 2005.

Financial Results

Return on Assets (quarter, annualized)

0.18%-13 bps YoY

Net Interest Margin (quarter, annualized)

3.93%+6 bps YoY

Efficiency Ratio (quarter, annualized)

94.77%+518 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.30%0.32%0.18%0.21%0.18%-13 bps
Return on Equity3.04%3.11%1.74%2.04%1.66%-138 bps
Net Interest Margin3.87%3.83%3.84%3.99%3.93%+6 bps
Efficiency Ratio89.59%90.52%93.84%89.90%94.77%+518 bps
Non-Interest Burden3.40%3.41%3.57%3.54%3.69%+29 bps
Growth
Asset Growth (YoY)-14.57%-17.68%-11.47%-6.65%-3.14%+1,143 bps
Loan Growth (YoY)-4.38%-6.77%-6.29%-13.27%-17.09%-1,270 bps
Deposit Growth (YoY)-15.81%-19.41%-13.00%-8.04%-3.75%+1,207 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.08%-0.01%0.09%-0.05%-3 bps
Allowance / Loans1.80%1.85%2.01%2.08%2.19%+39 bps
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 Capital17.21%18.44%19.19%20.34%20.53%+333 bps
Equity / Assets10.19%10.66%10.18%10.57%10.54%+35 bps
Liquidity & Funding
Loans / Deposits68.99%70.55%61.14%62.44%59.43%-956 bps
Liquid Assets / Assets0.19%0.62%5.96%5.98%5.95%+576 bps
CRE / Total Capitaln/an/an/an/an/an/an/a