PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank of Tulia

Tulia, TX · Cert 5561

FDIC

Q4 1995

$63.1MAssets
$24.9MLoans
$53.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.59%, down 81 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 46.57% of deposits as of Q4 1995.

Return on Assets (YTD, annualized)

0.59%-81 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 Assets0.96%1.63%1.52%1.41%1.55%0.19%0.61%0.59%-81 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/a-5.60%-2.13%0.59%-3.53%n/a
Loan Growth (YoY)n/an/an/an/a11.29%0.76%-8.12%-12.93%n/a
Deposit Growth (YoY)n/an/an/an/a-7.01%-5.77%-4.33%-7.83%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 / Deposits33.46%36.29%47.49%49.30%40.05%38.81%45.60%46.57%-272 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