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Panamerican Bank

Miami, FL · Cert 26289

FDIC

Q3 2001

$33.1MAssets
$20.7MLoans
$28.3MDeposits
$3.0MEquity
Deposit mix
78%Interest-bearing $22.2M22%Noninterest $6.1MQ3 2000Q3 2001

NIM

7.35%Q1 ’017.19%Q2 ’016.98%Q3 ’01+1%+3%

Non-interest income vs. expense

4.46%Q1 ’014.54%Q2 ’014.42%Q3 ’01+2%-2%

Executive Summary

  • Earnings: ROA of -0.19%, up 27 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.12%.
  • Funding: loans stand at 73.29% of deposits as of Q3 2001.

Financial Results

Return on Assets (quarter, annualized)

-0.19%+27 bps YoY

Net Interest Margin (quarter, annualized)

3.60%

Efficiency Ratio (quarter, annualized)

107.71%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets-0.46%-0.15%-0.45%-0.50%-0.19%+27 bps
Return on Equityn/an/an/a-5.55%-2.12%n/a
Net Interest Marginn/an/a3.48%3.50%3.60%n/a
Efficiency Ration/an/a111.31%112.57%107.71%n/a
Non-Interest Burdenn/an/a3.93%4.01%3.92%n/a
Growth
Asset Growth (YoY)-0.67%7.47%15.49%9.39%8.62%+929 bps
Loan Growth (YoY)-4.68%4.63%1.96%7.25%11.42%+1,609 bps
Deposit Growth (YoY)4.35%11.97%21.71%13.91%4.14%-21 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.12%-0.08%-0.12%n/a
Allowance / Loansn/an/a1.15%1.13%1.15%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/a13.82%13.98%13.65%n/a
Equity / Assetsn/an/a8.95%9.17%9.18%n/a
Liquidity & Funding
Loans / Deposits68.50%69.58%67.43%72.68%73.29%+478 bps
Liquid Assets / Assets0.00%0.00%3.37%3.52%3.48%+348 bps
CRE / Total Capitaln/an/an/an/an/an/an/a