PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First American Bank of Pensacola, N.A.

Pensacola, FL · Cert 23838

FDIC

Q3 2001

$309.3MAssets
$258.5MLoans
$240.3MDeposits
$27.3MEquity
Loan mix
69%RE $75.9M30%C&I $33.2M0%Consumer $0.3MQ3 2000Q3 2001
Deposit mix
86%Interest-bearing $207.6M14%Noninterest $32.8MQ3 2000Q3 2001

NIM

8.05%Q1 ’017.83%Q2 ’017.68%Q3 ’01+2%+2%

Non-interest income vs. expense

1.67%Q1 ’011.63%Q2 ’012.04%Q3 ’01-4%+32%

Executive Summary

  • Earnings: ROA of 1.23%, down 30 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Funding: loans stand at 107.55% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

1.23%-30 bps YoY

Net Interest Margin (YTD, annualized)

4.00%

Efficiency Ratio (YTD, annualized)

47.34%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.53%1.54%1.55%1.60%1.23%-30 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a3.88%3.94%4.00%n/a
Efficiency Ration/an/a39.87%38.31%47.34%n/a
Non-Interest Burdenn/an/a1.36%1.31%1.73%n/a
Growth
Asset Growth (YoY)36.29%11.13%5.04%11.99%-12.62%-4,891 bps
Loan Growth (YoY)15.02%13.18%15.35%18.58%10.88%-414 bps
Deposit Growth (YoY)31.04%11.51%1.04%7.41%-16.99%-4,803 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.00%-0.06%-0.04%n/a
Allowance / Loansn/an/a1.10%1.11%1.30%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/a12.44%12.48%12.48%n/a
Equity / Assetsn/an/a8.78%8.76%8.81%n/a
Liquidity & Funding
Loans / Deposits80.52%94.98%101.32%103.98%107.55%+2,703 bps
Liquid Assets / Assets0.00%0.00%3.41%0.27%0.66%+66 bps
CRE / Total Capitaln/an/an/an/an/an/an/a