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Letter portraitLegal landscapeQuarterYTD

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 ’016.05%Q3 ’015.59%Q4 ’01-7%-2%

Non-interest income vs. expense

3.65%Q1 ’013.75%Q3 ’014.01%Q4 ’01-4%+16%

Executive Summary

  • Earnings: ROA of 0.11%, down 19 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.10%.
  • Funding: loans stand at 41.02% of deposits as of Q4 2001.

Financial Results

Return on Assets (quarter, annualized)

0.11%-19 bps YoY

Net Interest Margin (quarter, annualized)

3.29%

Efficiency Ratio (quarter, annualized)

100.91%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.30%0.50%-0.45%-0.34%0.11%-19 bps
Return on Equityn/an/a-4.80%-3.27%1.03%n/a
Net Interest Marginn/a3.62%3.48%3.37%3.29%n/a
Efficiency Ration/a85.45%86.33%88.26%100.91%n/a
Non-Interest Burdenn/a3.00%2.92%2.87%3.32%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%0.36%2.41%-0.10%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