PackageTrendsPeer
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Fredericksburg State Bank

Fredericksburg, VA · Cert 30123

FDIC

Q2 2001

$520.0MAssets
$449.4MLoans
$381.6MDeposits
$119.4MEquity
Loan mix
97%RE $378.0M0%C&I $0.2M3%Consumer $13.2MQ2 2000Q2 2001
Deposit mix
98%Interest-bearing $375.0M2%Noninterest $6.5MQ2 2000Q2 2001

NIM

6.20%Q1 ’010.00%Q2 ’01-100%

Non-interest income vs. expense

1.39%Q1 ’010.00%Q2 ’01-100%

Executive Summary

  • Earnings: ROA of 0.00%, down 153 bps year over year; NIM at 0.00%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 117.79% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.00%-153 bps YoY

Net Interest Margin (YTD, annualized)

0.00%

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.53%1.53%1.52%1.08%0.00%-153 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.03%0.00%n/a
Efficiency Ration/an/an/a45.29%n/an/an/a
Non-Interest Burdenn/an/an/a1.36%0.00%n/a
Growth
Asset Growth (YoY)0.89%0.72%-3.52%-1.91%-0.13%-102 bps
Loan Growth (YoY)6.65%7.93%5.46%5.14%2.54%-411 bps
Deposit Growth (YoY)1.73%2.43%2.39%3.46%5.05%+332 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.00%0.00%n/a
Allowance / Loansn/an/an/a1.26%2.11%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/an/a40.70%36.09%n/a
Equity / Assetsn/an/an/a23.92%22.96%n/a
Liquidity & Funding
Loans / Deposits120.68%121.24%120.03%120.27%117.79%-288 bps
Liquid Assets / Assets0.00%0.00%0.00%3.38%8.36%+836 bps
CRE / Total Capitaln/an/an/an/an/an/an/a