PackageTrendsPeer
Letter portraitLegal landscape

First National Bank of Shamrock, The

Shamrock, TX · Cert 5527

FDIC

Q4 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Shamrock, The

Shamrock, TX · Cert 5527

FDIC

Q4 2001

$21.5MAssets
$7.8MLoans
$19.1MDeposits
$2.3MEquity
Deposit mix
70%Interest-bearing $13.4M30%Noninterest $5.7MQ4 2000Q4 2001

NIM

7.13%Q1 ’016.99%Q3 ’016.93%Q4 ’01+2%+1%

Non-interest income vs. expense

3.65%Q1 ’013.86%Q3 ’014.06%Q4 ’01+3%+6%

Executive Summary

  • Earnings: ROA of -0.04%, down 34 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.65%.
  • Funding: loans stand at 41.02% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

-0.04%-34 bps YoY

Net Interest Margin (YTD, annualized)

3.74%

Efficiency Ratio (YTD, annualized)

89.77%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.30%0.50%0.03%1-0.08%-0.04%-34 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a3.62%3.63%3.69%3.74%n/a
Efficiency Ration/a85.45%85.88%86.63%89.77%n/a
Non-Interest Burdenn/a3.00%3.02%3.09%3.28%n/a
Growth
Asset Growth (YoY)0.07%2.31%-4.03%-15.71%-15.26%-1,533 bps
Loan Growth (YoY)23.37%2.85%-3.03%-18.77%-17.20%-4,058 bps
Deposit Growth (YoY)-1.45%0.59%-5.93%-17.92%-16.56%-1,511 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a-0.16%0.09%0.87%0.65%n/a
Allowance / Loansn/a2.47%3.49%3.85%4.21%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/a19.71%20.76%22.87%23.53%n/a
Equity / Assetsn/a9.29%9.62%11.00%10.63%n/a
Liquidity & Funding
Loans / Deposits41.34%42.57%42.30%43.16%41.02%-32 bps
Liquid Assets / Assets0.00%0.04%0.05%0.05%0.05%+5 bps
CRE / Total Capitaln/an/an/an/an/an/an/a