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Associates National Bank (Delaware)

Newark, DE · Cert 33367

FDIC

Q4 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Associates National Bank (Delaware)

Newark, DE · Cert 33367

FDIC

Q4 2001

$287.9MAssets
$72.1MLoans
$60.1MDeposits
$84.5MEquity
Deposit mix
90%Interest-bearing $53.9M10%Noninterest $6.2MQ4 2000Q4 2001

NIM

8.53%Q1 ’018.30%Q3 ’0111.24%Q4 ’01+7%+40%

Non-interest income vs. expense

28.52%Q1 ’0128.82%Q3 ’0138.43%Q4 ’01+117%-1186%

Executive Summary

  • Earnings: ROA of 3.51%, down 267 bps year over year; NIM at 8.62%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 9.56%.
  • Funding: loans stand at 119.97% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

3.51%-267 bps YoY

Net Interest Margin (YTD, annualized)

8.62%

Efficiency Ratio (YTD, annualized)

78.02%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets6.18%3.34%3.22%2.52%3.51%-267 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a5.76%5.64%6.16%8.62%n/a
Efficiency Ration/a80.45%79.98%82.86%78.02%n/a
Non-Interest Burdenn/a-1.17%-0.99%0.20%-2.21%n/a
Growth
Asset Growth (YoY)-6.91%-17.71%-5.86%-17.78%-37.06%-3,015 bps
Loan Growth (YoY)-80.62%-71.67%32.01%23.38%1.92%+8,254 bps
Deposit Growth (YoY)-18.06%-50.23%-61.71%-69.33%-72.70%-5,464 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a7.19%7.52%7.73%9.56%n/a
Allowance / Loansn/a7.25%7.25%7.25%7.25%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/a52.46%54.45%50.97%50.83%n/a
Equity / Assetsn/a21.27%20.25%18.58%29.34%n/a
Liquidity & Funding
Loans / Deposits32.14%47.73%72.79%95.45%119.97%+8,784 bps
Liquid Assets / Assets0.00%0.27%0.25%0.23%0.28%+28 bps
CRE / Total Capitaln/an/an/an/an/an/an/a