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 ’017.82%Q2 ’017.73%Q3 ’01+6%+5%

Non-interest income vs. expense

1.67%Q1 ’011.63%Q2 ’012.94%Q3 ’01-5%+102%

Executive Summary

  • Earnings: ROA of 0.51%, down 102 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 107.55% of deposits as of Q3 2001.

Financial Results

Return on Assets (quarter, annualized)

0.51%-102 bps YoY

Net Interest Margin (quarter, annualized)

4.31%

Efficiency Ratio (quarter, annualized)

63.56%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.53%1.54%1.55%1.65%0.51%-102 bps
Return on Equityn/an/an/a18.79%5.86%n/a
Net Interest Marginn/an/a3.88%4.09%4.31%n/a
Efficiency Ration/an/a39.87%36.87%63.56%n/a
Non-Interest Burdenn/an/a1.36%1.30%2.62%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%-0.11%0.00%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