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Follett National Bank

Follett, TX · Cert 3198

FDIC

Q3 1999

$30.1MAssets
$13.3MLoans
$25.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.59%, down 15 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 51.45% of deposits as of Q3 1999.

Return on Assets (YTD, annualized)

1.59%-15 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.

MetricQ4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets1.71%1.84%1.80%1.74%1.56%1.34%1.47%1.59%-15 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)-3.88%-1.66%-0.47%4.55%3.16%-2.28%-0.78%-2.51%-705 bps
Loan Growth (YoY)-0.88%-0.51%-2.37%-4.26%0.52%-5.81%-7.31%-12.64%-838 bps
Deposit Growth (YoY)-5.31%-2.86%-1.53%4.50%4.02%-2.28%0.56%-1.33%-583 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 / Deposits57.19%58.52%59.29%58.11%55.27%56.40%54.66%51.45%-666 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