PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank of Bay City

Bay City, TX · Cert 34448

FDIC

Q3 2002

$27.1MAssets
$8.3MLoans
$23.2MDeposits
$3.5MEquity
Deposit mix
72%Interest-bearing $16.7M28%Noninterest $6.5MQ4 2000Q3 2002

Executive Summary

  • Earnings: ROA of 0.84%, up 73 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.74%.
  • Funding: loans stand at 35.87% of deposits as of Q3 2002.

Return on Assets (YTD, annualized)

0.84%+73 bps YoY

Net Interest Margin (YTD, annualized)

4.14%+32 bps YoY

Efficiency Ratio (YTD, annualized)

78.16%+18 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.44%Q1 ’016.22%Q3 ’015.47%Q3 ’02+0%+8%

Non-interest income vs. expense

4.43%Q1 ’014.54%Q3 ’014.63%Q3 ’02+12%+12%

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets1.18%1.04%0.83%0.10%10.17%0.86%0.81%0.84%+73 bps
Return on Equityn/an/an/an/an/a7.26%6.61%6.73%n/a
Net Interest Marginn/a3.80%3.77%3.82%3.76%4.19%4.24%4.14%+32 bps
Efficiency Ration/a74.29%76.76%77.97%79.21%78.02%79.34%78.16%+18 bps
Non-Interest Burdenn/a2.27%2.40%2.54%2.59%2.91%3.00%2.84%+31 bps
Growth
Asset Growth (YoY)16.63%14.57%15.14%12.92%5.66%4.90%2.12%-1.43%-1,435 bps
Loan Growth (YoY)5.77%33.96%29.76%32.30%27.01%6.36%-1.50%-12.32%-4,463 bps
Deposit Growth (YoY)16.00%13.23%14.08%11.97%5.02%5.52%1.64%-2.53%-1,450 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/a0.57%0.32%2.65%2.32%0.49%0.28%0.74%-192 bps
Allowance / Loansn/a0.95%1.04%1.05%1.50%1.44%1.44%1.30%+24 bps
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/a26.59%26.26%24.89%25.60%26.55%27.20%28.53%+364 bps
Equity / Assetsn/a12.20%12.67%12.27%12.04%11.67%12.88%13.12%+85 bps
Liquidity & Funding
Loans / Deposits31.30%35.82%41.22%39.88%37.86%36.11%39.95%35.87%-401 bps
Liquid Assets / Assets0.00%2.20%1.86%1.79%1.77%0.00%0.00%0.00%-179 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a