PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United States NB Galveston

Galveston, TX · Cert 3212

FDIC

Q1 2000

$134.4MAssets
$59.4MLoans
$123.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 2.63%, down 54 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 48.19% of deposits as of Q1 2000.

Return on Assets (YTD, annualized)

2.63%-54 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.

MetricQ2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000YoY ΔTrend
Earnings
Return on Assets4.01%3.95%3.78%3.17%3.75%3.54%3.20%2.63%-54 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)0.78%3.56%2.04%-1.36%-4.17%-7.42%-10.78%-6.60%-524 bps
Loan Growth (YoY)11.43%18.41%9.32%3.17%-1.37%-8.56%-4.37%-3.97%-714 bps
Deposit Growth (YoY)0.81%4.28%2.05%-0.83%-4.39%-8.45%-11.12%-6.62%-579 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 / Deposits41.85%47.54%45.55%46.86%43.17%47.48%49.01%48.19%+133 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