PackageTrendsPeer
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Delta Bank and Trust

Drew, MS · Cert 32997

FDIC

Q4 2001

$35.3MAssets
$15.5MLoans
$32.0MDeposits
$3.1MEquity
Deposit mix
87%Interest-bearing $27.9M13%Noninterest $4.1MQ4 2000Q4 2001

NIM

7.08%Q1 ’011.88%Q3 ’012.59%Q4 ’01-64%+26%

Non-interest income vs. expense

3.30%Q1 ’011.29%Q3 ’011.87%Q4 ’01-63%+41%

Executive Summary

  • Earnings: ROA of -0.08%, down 38 bps year over year; NIM at 1.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 48.25% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

-0.08%-38 bps YoY

Net Interest Margin (YTD, annualized)

1.10%

Efficiency Ratio (YTD, annualized)

121.16%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.30%-0.05%-0.97%-0.13%-0.08%-38 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a2.41%1.54%0.87%1.10%n/a
Efficiency Ration/a111.90%157.75%112.14%121.16%n/a
Non-Interest Burdenn/a2.76%2.77%1.01%1.43%n/a
Growth
Asset Growth (YoY)-1.46%-0.27%-2.83%113.11%111.70%+11,316 bps
Loan Growth (YoY)11.29%-12.28%-68.40%74.83%67.49%+5,620 bps
Deposit Growth (YoY)-4.21%-1.42%0.77%117.14%114.16%+11,837 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.92%1.08%-0.02%0.02%n/a
Allowance / Loansn/a1.60%4.10%3.56%3.11%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/a17.88%24.69%16.94%17.18%n/a
Equity / Assetsn/a8.18%7.71%8.53%8.68%n/a
Liquidity & Funding
Loans / Deposits61.69%46.31%18.26%48.51%48.25%-1,344 bps
Liquid Assets / Assets0.00%25.77%53.51%20.58%22.94%+2,294 bps
CRE / Total Capitaln/an/an/an/an/an/an/a