PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

European American Bank

New York, NY · Cert 19882

FDIC

Q2 2001

$15.0BAssets
$8.3BLoans
$10.1BDeposits
$1.0BEquity
Loan mix
57%RE $3.2B42%C&I $2.4B1%Consumer $0.0BQ2 2000Q2 2001
Deposit mix
79%Interest-bearing $8.0B21%Noninterest $2.1BQ2 2000Q2 2001

NIM

7.25%Q1 ’017.09%Q2 ’01+4%

Non-interest income vs. expense

2.42%Q1 ’012.47%Q2 ’01+15%

Executive Summary

  • Earnings: ROA of 0.29%, down 65 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.72%.
  • Funding: loans stand at 81.66% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.29%1-65 bps YoY

Net Interest Margin (YTD, annualized)

3.32%

Efficiency Ratio (YTD, annualized)

57.10%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.93%0.89%0.95%-0.61%0.29%1-65 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.19%3.32%n/a
Efficiency Ration/an/an/a55.88%57.10%n/a
Non-Interest Burdenn/an/an/a1.28%1.46%n/a
Growth
Asset Growth (YoY)3.17%3.95%5.38%0.52%-1.47%-464 bps
Loan Growth (YoY)20.79%27.29%23.35%16.69%11.08%-971 bps
Deposit Growth (YoY)18.73%11.24%8.27%-0.13%-9.41%-2,815 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.61%0.72%n/a
Allowance / Loansn/an/an/an/an/an/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/a10.99%11.37%n/a
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits66.60%74.98%73.15%78.10%81.66%+1,507 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a