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Friendship Community Bank

Ocala, FL · Cert 27270

FDIC

Q1 2001

$70.8MAssets
$27.1MLoans
$61.5MDeposits
$8.0MEquity
Deposit mix
90%Interest-bearing $55.4M10%Noninterest $6.1MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 0.39%, down 35 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 44.06% of deposits as of Q1 2001.

Financial Results

Return on Assets (YTD, annualized)

0.39%-35 bps YoY

Net Interest Margin (YTD, annualized)

3.02%

Efficiency Ratio (YTD, annualized)

79.17%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.74%0.61%0.64%0.56%0.39%-35 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.02%n/an/a
Efficiency Ration/an/an/an/a79.17%n/an/a
Non-Interest Burdenn/an/an/an/a2.30%n/an/a
Growth
Asset Growth (YoY)5.09%4.00%17.59%17.64%72.06%+6,697 bps
Loan Growth (YoY)27.45%24.65%25.89%26.26%36.63%+918 bps
Deposit Growth (YoY)5.50%3.83%18.27%17.39%67.02%+6,152 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a-0.01%n/an/a
Allowance / Loansn/an/an/an/a1.69%n/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/an/a11.76%n/an/a
Equity / Assetsn/an/an/an/a11.23%n/an/a
Liquidity & Funding
Loans / Deposits53.86%56.76%52.00%52.80%44.06%-980 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.32%+32 bps
CRE / Total Capitaln/an/an/an/an/an/an/a