PackageTrendsPeer
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First NB in Midlothian

Midlothian, TX · Cert 3345

FDIC

Q4 1995

$51.3MAssets
$19.4MLoans
$46.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.97%, up 31 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 41.67% of deposits as of Q4 1995.

Return on Assets (YTD, annualized)

0.97%+31 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.

MetricQ1 1994Q2 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets0.41%0.42%0.53%0.67%0.84%0.86%0.91%0.97%+31 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)n/an/an/an/a1.25%6.15%8.55%6.52%n/a
Loan Growth (YoY)n/an/an/an/a5.51%12.25%7.93%-5.11%n/a
Deposit Growth (YoY)n/an/an/an/a0.89%6.05%8.59%6.51%n/a
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 / Deposits38.22%39.74%42.87%46.78%39.97%42.07%42.61%41.67%-511 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