PackageTrendsPeer
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Peoples and Union Bank

Lewisburg, TN · Cert 1474

FDIC

Q1 2001

$162.3MAssets
$111.9MLoans
$149.1MDeposits
$11.5MEquity
Loan mix
78%RE $54.1M22%C&I $15.6M0%Consumer $0.1MQ1 2000Q1 2001
Deposit mix
89%Interest-bearing $132.8M11%Noninterest $16.4MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 1.46%, down 20 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 75.03% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

1.46%-20 bps YoY

Net Interest Margin (quarter, annualized)

3.26%

Efficiency Ratio (quarter, annualized)

35.68%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.66%1.61%1.55%1.50%1.46%-20 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.26%n/an/a
Efficiency Ration/an/an/an/a35.68%n/an/a
Non-Interest Burdenn/an/an/an/a0.88%n/an/a
Growth
Asset Growth (YoY)10.53%11.67%9.55%11.81%8.18%-235 bps
Loan Growth (YoY)18.39%13.19%7.66%6.72%4.86%-1,352 bps
Deposit Growth (YoY)11.27%13.00%9.51%11.65%7.65%-362 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.04%n/an/a
Allowance / Loansn/an/an/an/a1.06%n/an/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/an/a11.56%n/an/a
Equity / Assetsn/an/an/an/a7.06%n/an/a
Liquidity & Funding
Loans / Deposits77.03%73.52%71.54%71.40%75.03%-200 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%12.62%+1,262 bps
CRE / Total Capitaln/an/an/an/an/an/an/a