PackageTrendsPeer
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First NB of Wills Point

Wills Point, TX · Cert 5588

FDIC

Q4 1997

$29.3MAssets
$17.3MLoans
$25.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.10%, down 23 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 66.81% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

1.10%-23 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 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets1.41%1.44%1.37%1.33%1.27%1.24%1.30%1.10%-23 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)15.17%14.85%3.70%5.59%9.69%13.57%-6.95%-4.87%-1,046 bps
Loan Growth (YoY)2.59%6.95%10.39%13.55%17.68%17.81%14.19%5.81%-774 bps
Deposit Growth (YoY)9.67%13.60%1.86%5.52%13.70%13.59%-8.96%-6.96%-1,248 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 / Deposits58.43%57.97%55.87%58.74%60.48%60.12%70.08%66.81%+806 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