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Lamar Bank, The

Purvis, MS · Cert 11421

FDIC

Q2 2001

$424.2MAssets
$210.0MLoans
$317.7MDeposits
$33.7MEquity
Deposit mix
87%Interest-bearing $275.3M13%Noninterest $42.5MQ2 2000Q2 2001

NIM

7.44%Q1 ’017.12%Q2 ’01-4%

Non-interest income vs. expense

2.45%Q1 ’013.28%Q2 ’01+43%

Executive Summary

  • Earnings: ROA of -1.22%, down 220 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.55%.
  • Funding: loans stand at 66.10% of deposits as of Q2 2001.

Financial Results

Return on Assets (quarter, annualized)

-1.22%-220 bps YoY

Net Interest Margin (quarter, annualized)

2.74%

Efficiency Ratio (quarter, annualized)

88.94%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.98%0.93%0.71%0.66%-1.22%-220 bps
Return on Equityn/an/an/an/a-15.15%n/an/a
Net Interest Marginn/an/an/a2.85%2.74%n/a
Efficiency Ration/an/an/a66.77%88.94%n/a
Non-Interest Burdenn/an/an/a1.63%2.33%n/a
Growth
Asset Growth (YoY)3.24%0.10%0.43%5.14%4.84%+160 bps
Loan Growth (YoY)3.38%-2.52%-6.15%-5.33%-7.98%-1,135 bps
Deposit Growth (YoY)1.67%0.78%-0.74%5.06%5.23%+355 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.23%0.55%n/a
Allowance / Loansn/an/an/a2.67%3.97%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/an/an/a15.36%14.03%n/a
Equity / Assetsn/an/an/a8.09%7.95%n/a
Liquidity & Funding
Loans / Deposits75.58%73.57%70.38%65.40%66.10%-948 bps
Liquid Assets / Assets0.00%0.00%0.00%14.78%7.83%+783 bps
CRE / Total Capitaln/an/an/an/an/an/an/a