PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank of Goliad, The

Goliad, TX · Cert 3222

FDIC

Q3 2006

$43.4MAssets
$24.0MLoans
$39.6MDeposits
$3.5MEquity
Deposit mix
73%Interest-bearing $28.9M27%Noninterest $10.7MQ3 2005Q3 2006

NIM

4.46%Q3 ’045.31%Q3 ’056.32%Q3 ’06+19%+13%

Non-interest income vs. expense

4.45%Q3 ’044.31%Q3 ’054.03%Q3 ’06-7%-14%

Executive Summary

  • Earnings: ROA of 1.62%, up 104 bps year over year; NIM at 4.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 60.51% of deposits as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

1.62%+104 bps YoY

Net Interest Margin (YTD, annualized)

4.80%+56 bps YoY

Efficiency Ratio (YTD, annualized)

69.43%-1,633 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.58%0.56%0.91%1.57%1.62%+104 bps
Return on Equity8.82%8.51%13.92%22.89%22.72%+1,390 bps
Net Interest Margin4.24%4.23%4.36%4.70%4.80%+56 bps
Efficiency Ratio85.76%85.62%79.69%70.37%69.43%-1,633 bps
Non-Interest Burden3.52%3.51%3.30%3.00%3.02%-50 bps
Growth
Asset Growth (YoY)7.58%4.90%7.84%3.41%-1.21%-880 bps
Loan Growth (YoY)-8.57%-10.38%-13.93%-4.13%-6.97%+160 bps
Deposit Growth (YoY)8.13%4.84%7.85%2.66%-2.82%-1,094 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.19%1.41%-0.19%0.14%0.02%-117 bps
Allowance / Loans1.82%1.63%1.78%1.60%1.80%-2 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 Capital11.11%12.78%12.89%13.17%14.16%+305 bps
Equity / Assets6.61%6.53%6.61%7.39%8.03%+142 bps
Liquidity & Funding
Loans / Deposits63.21%57.81%55.46%62.84%60.51%-270 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a