PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 ’01-0.92%Q3 ’015.24%Q4 ’01-60%+110%

Non-interest income vs. expense

3.30%Q1 ’010.23%Q3 ’013.98%Q4 ’01-98%+5869%

Executive Summary

  • Earnings: ROA of 0.03%, down 27 bps year over year; NIM at 2.01%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
  • Funding: loans stand at 48.25% of deposits as of Q4 2001.

Financial Results

Return on Assets (quarter, annualized)

0.03%1-27 bps YoY

Net Interest Margin (quarter, annualized)

2.01%

Efficiency Ratio (quarter, annualized)

130.40%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.30%-0.05%-1.87%0.93%0.03%1-27 bps
Return on Equityn/an/a-23.51%11.22%0.39%n/a
Net Interest Marginn/a2.41%0.73%0.96%2.01%n/a
Efficiency Ration/a111.90%252%20.43%130.40%n/a
Non-Interest Burdenn/a2.76%2.85%0.05%2.94%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%-0.14%-0.45%0.13%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