PackageTrendsPeer
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First NB of Rosenberg

Rosenberg, TX · Cert 5500

FDIC

Q2 2000

$92.1MAssets
$46.7MLoans
$77.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.28%, down 20 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 60.63% of deposits as of Q2 2000.

Return on Assets (YTD, annualized)

1.28%-20 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.

MetricQ3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000YoY ΔTrend
Earnings
Return on Assets1.43%1.39%1.44%1.48%1.54%1.29%1.67%1.28%-20 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)0.05%5.83%-0.23%-2.86%2.16%-4.20%-0.64%4.58%+744 bps
Loan Growth (YoY)5.17%4.23%9.16%20.18%28.08%29.05%28.10%23.97%+379 bps
Deposit Growth (YoY)-1.40%6.12%-0.04%-1.43%4.26%-3.06%-4.42%-4.57%-314 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 / Deposits39.31%35.77%41.95%46.67%48.29%47.61%56.23%60.63%+1,396 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