PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank of Amherst, The

Amherst, TX · Cert 3074

FDIC · 1 branch

Q2 2014

$17.2MAssets
$1.8MLoans
$14.1MDeposits
$3.2MEquity
Loan mix
40%RE $418K14%C&I $150K45%Consumer $472KQ3 2012Q2 2014
Deposit mix
75%Interest-bearing $10.5M25%Noninterest $3.5MQ3 2012Q2 2014

Executive Summary

  • Earnings: ROA of -0.98%, up 42 bps year over year; NIM at 1.81%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 13.05% of deposits as of Q2 2014.

Return on Assets (YTD, annualized)

-0.98%+42 bps YoY

Net Interest Margin (YTD, annualized)

1.81%-44 bps YoY

Efficiency Ratio (YTD, annualized)

175.42%+9,596 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

2.31%Q2 ’122.50%Q2 ’132.06%Q2 ’14+12%-19%

Non-interest income vs. expense

3.20%Q2 ’123.27%Q2 ’133.57%Q2 ’14-54%+139%

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets-0.59%-0.56%1.71%-1.40%-1.88%-1.62%-1.07%-0.98%+42 bps
Return on Equity-3.17%-2.99%8.99%-7.30%-9.77%-8.61%-6.10%-5.52%+177 bps
Net Interest Margin2.17%2.10%2.40%2.25%2.39%2.17%1.73%1.81%-44 bps
Efficiency Ratio142.41%139.76%55.64%79.46%92.13%103.80%180.43%175.42%+9,596 bps
Non-Interest Burden3.17%2.99%-0.15%1.40%2.09%2.29%3.32%3.35%+194 bps
Growth
Asset Growth (YoY)-4.94%-5.98%-5.11%-9.80%-6.56%-6.12%-5.49%0.24%+1,004 bps
Loan Growth (YoY)-4.57%-7.71%-13.64%-22.75%-13.31%-17.16%-20.07%-12.12%+1,064 bps
Deposit Growth (YoY)-5.55%-6.78%-6.71%-10.60%-5.51%-4.76%-3.52%2.07%+1,267 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 / Loans-0.29%-0.27%0.41%0.48%0.28%0.11%0.00%0.00%-48 bps
Allowance / Loans6.62%8.01%9.24%7.23%6.37%8.22%9.94%8.39%+116 bps
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 Capital67.53%72.45%82.76%73.12%72.12%78.65%97.64%85.56%+1,245 bps
Equity / Assets19.96%18.59%19.40%19.77%19.14%17.41%17.81%18.33%-145 bps
Liquidity & Funding
Loans / Deposits18.84%14.45%12.87%15.16%17.28%12.57%10.66%13.05%-211 bps
Liquid Assets / Assets16.65%23.99%24.69%18.17%16.15%26.55%39.30%33.03%+1,485 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a