PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First NB of Central Texas

Waco, TX · Cert 5571

FDIC

Q1 1997

$337.0MAssets
$193.0MLoans
$288.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.63%, down 38 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 66.94% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

0.63%-38 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.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets1.23%1.11%1.02%1.02%1.00%0.88%0.66%0.63%-38 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)6.07%2.56%2.41%1.82%-6.84%32.95%25.34%22.93%+2,110 bps
Loan Growth (YoY)0.49%-6.55%-13.67%-21.50%-27.30%-13.30%-12.19%28.87%+5,037 bps
Deposit Growth (YoY)1.87%-2.96%-2.62%-1.14%-9.10%32.13%33.89%30.25%+3,139 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 / Deposits77.91%76.47%72.92%67.66%62.31%50.17%47.82%66.94%-72 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