Drew, MS · Cert 32997
FDIC
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Drew, MS · Cert 32997
FDIC
Q4 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.38% | 0.30% | 0.30% | -0.05% | -0.97% | -0.13% | -0.08% | -38 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 2.41% | 1.54% | 0.87% | 1.10% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 111.90% | 157.75% | 112.14% | 121.16% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | 2.76% | 2.77% | 1.01% | 1.43% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.72% | 1.05% | -6.39% | -1.46% | -0.27% | -2.83% | 113.11% | 111.70% | +11,316 bps | |
| Loan Growth (YoY) | -4.03% | 1.92% | 5.61% | 11.29% | -12.28% | -68.40% | 74.83% | 67.49% | +5,620 bps | |
| Deposit Growth (YoY) | -1.26% | -3.04% | -9.51% | -4.21% | -1.42% | 0.77% | 117.14% | 114.16% | +11,837 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | 0.92% | 1.08% | -0.02% | 0.02% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | 1.60% | 4.10% | 3.56% | 3.11% | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | n/a | 17.88% | 24.69% | 16.94% | 17.18% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | 8.18% | 7.71% | 8.53% | 8.68% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.04% | 58.23% | 60.25% | 61.69% | 46.31% | 18.26% | 48.51% | 48.25% | -1,344 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 25.77% | 53.51% | 20.58% | 22.94% | +2,294 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |