PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank of Bryan, The

Bryan, TX · Cert 3119

FDIC

Q1 2007

$540.4MAssets
$388.9MLoans
$453.5MDeposits
$53.2MEquity
Loan mix
86%RE $189.5M14%C&I $31.9M0%Consumer $0.1MQ1 2006Q1 2007
Deposit mix
72%Interest-bearing $327.4M28%Noninterest $126.1MQ1 2006Q1 2007

NIM

5.18%Q1 ’055.76%Q1 ’065.86%Q1 ’07-9%-9%

Non-interest income vs. expense

3.51%Q1 ’053.05%Q1 ’063.30%Q1 ’07-13%+3%

Executive Summary

  • Earnings: ROA of 1.43%, up 4 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Funding: loans stand at 85.74% of deposits as of Q1 2007.

Financial Results

Return on Assets (quarter, annualized)

1.43%+4 bps YoY

Net Interest Margin (quarter, annualized)

3.32%-34 bps YoY

Efficiency Ratio (quarter, annualized)

70.18%+727 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets1.39%1.65%1.55%1.78%1.43%+4 bps
Return on Equity14.68%16.93%16.17%18.53%14.64%-4 bps
Net Interest Margin3.67%3.84%3.71%3.52%3.32%-34 bps
Efficiency Ratio62.91%57.13%59.51%56.07%70.18%+727 bps
Non-Interest Burden1.87%1.56%1.55%1.34%1.92%+6 bps
Growth
Asset Growth (YoY)14.35%18.96%10.30%7.07%15.73%+138 bps
Loan Growth (YoY)13.73%20.25%3.75%2.95%27.81%+1,409 bps
Deposit Growth (YoY)24.00%19.16%11.31%8.02%8.66%-1,534 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.08%0.00%0.00%-0.02%-3 bps
Allowance / Loans1.47%1.41%1.39%1.33%1.19%-28 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 Capital17.65%17.14%17.69%17.80%18.29%+64 bps
Equity / Assets9.86%9.67%9.51%9.69%9.85%-1 bps
Liquidity & Funding
Loans / Deposits72.89%73.34%74.12%74.60%85.74%+1,285 bps
Liquid Assets / Assets6.91%6.61%6.35%0.04%0.03%-688 bps
CRE / Total Capitaln/an/an/an/an/an/an/a