PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

FNB West Texas

Plainview, TX · Cert 3239

FDIC

Q4 2001

$39.8MAssets
$14.2MLoans
$36.4MDeposits
$3.2MEquity
Deposit mix
78%Interest-bearing $28.5M22%Noninterest $7.9MQ4 2000Q4 2001

NIM

6.87%Q1 ’016.68%Q3 ’016.26%Q4 ’01+1%-2%

Non-interest income vs. expense

4.05%Q1 ’014.30%Q3 ’014.12%Q4 ’01+7%-3%

Executive Summary

  • Earnings: ROA of 0.36%, down 23 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 39.12% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

0.36%-23 bps YoY

Net Interest Margin (YTD, annualized)

3.73%

Efficiency Ratio (YTD, annualized)

88.30%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.59%0.44%0.35%0.34%0.36%-23 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a3.78%3.77%3.82%3.73%n/a
Efficiency Ration/a85.14%88.72%89.18%88.30%n/a
Non-Interest Burdenn/a3.07%3.24%3.30%3.18%n/a
Growth
Asset Growth (YoY)-2.13%-0.43%-0.36%-2.94%8.56%+1,069 bps
Loan Growth (YoY)19.06%16.08%-2.35%2.74%-10.93%-2,999 bps
Deposit Growth (YoY)-3.76%-2.08%2.26%2.16%9.25%+1,301 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.00%0.00%-0.01%-0.01%n/a
Allowance / Loansn/a1.95%1.92%1.71%2.17%n/a
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 Capitaln/a15.76%15.78%14.50%16.23%n/a
Equity / Assetsn/a8.06%8.62%8.95%7.97%n/a
Liquidity & Funding
Loans / Deposits47.99%44.10%48.48%55.62%39.12%-886 bps
Liquid Assets / Assets0.00%6.43%2.72%2.49%2.73%+273 bps
CRE / Total Capitaln/an/an/an/an/an/an/a