PackageTrendsPeer
Letter portraitLegal landscape

Bank of Tidewater, The

Virginia Beach, VA · Cert 26318

FDIC

Q3 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2001, the quarter ended September 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Tidewater, The

Virginia Beach, VA · Cert 26318

FDIC

Q3 2001

$283.1MAssets
$159.9MLoans
$252.4MDeposits
$22.0MEquity
Loan mix
55%RE $36.3M43%C&I $28.4M2%Consumer $1.3MQ4 1999Q3 2001
Deposit mix
66%Interest-bearing $165.5M34%Noninterest $86.9MQ4 1999Q3 2001

Executive Summary

  • Earnings: ROA of 1.17%, down 15 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 63.36% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

1.17%-15 bps YoY

Net Interest Margin (YTD, annualized)

4.23%

Efficiency Ratio (YTD, annualized)

72.98%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.31%Q1 ’016.83%Q2 ’016.26%Q3 ’01-6%-8%

Non-interest income vs. expense

5.25%Q1 ’015.18%Q2 ’014.83%Q3 ’01-5%-10%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.17%1.12%1.22%1.32%1.37%1.24%1.17%1.17%-15 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a4.89%4.62%4.23%n/a
Efficiency Ration/an/an/an/an/a72.15%73.13%72.98%n/a
Non-Interest Burdenn/an/an/an/an/a2.86%2.71%2.44%n/a
Growth
Asset Growth (YoY)4.65%2.24%0.85%4.01%7.19%14.84%26.02%19.63%+1,562 bps
Loan Growth (YoY)7.57%1.14%8.43%17.13%17.04%32.10%29.71%18.73%+160 bps
Deposit Growth (YoY)4.79%3.54%1.95%3.95%7.51%13.81%26.24%19.04%+1,509 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/a-0.04%-0.01%0.01%n/a
Allowance / Loansn/an/an/an/an/a1.16%1.15%1.21%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/a12.10%11.61%12.05%n/a
Equity / Assetsn/an/an/an/an/a7.97%7.23%7.77%n/a
Liquidity & Funding
Loans / Deposits61.97%57.77%59.85%63.53%67.46%67.05%61.50%63.36%-16 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.95%1.37%2.86%+286 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a