PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pell Rudman Trust Company (Atlantic), National Association

Washington, DC · Cert 33754

FDIC

Q1 2005

$14.0MAssets
n/aLoans
n/aDeposits
$11.3MEquity

Executive Summary

  • Earnings: ROA of -1.12%, up 1,281 bps year over year; NIM at 0.70%.

Return on Assets (YTD, annualized)

-1.12%+1,281 bps YoY

Net Interest Margin (YTD, annualized)

0.70%+37 bps YoY

Efficiency Ratio (YTD, annualized)

97.68%-5,356 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.75%Q1 ’030.32%Q1 ’040.70%Q1 ’05-57%+114%

Non-interest income vs. expense

18.28%Q1 ’0316.15%Q1 ’0413.55%Q1 ’05+369%-65%

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets6.41%4.82%-1.46%-13.93%-7.57%-8.19%-9.89%-1.12%+1,281 bps
Return on Equity10.03%6.85%-1.82%-14.90%-8.07%-8.97%-10.93%-1.34%+1,356 bps
Net Interest Margin0.44%0.78%0.29%0.32%0.36%0.31%0.42%0.70%+37 bps
Efficiency Ratio75.99%74.73%92.92%151.24%258%341%381%97.68%-5,356 bps
Non-Interest Burden-5.97%-7.46%1.44%7.28%13.47%14.13%16.36%2.51%-477 bps
Growth
Asset Growth (YoY)-43.23%-29.24%59.50%231%220%226%-0.76%4.34%-22,676 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital120.55%130.52%171.28%185.22%166.49%131.26%144.66%128.47%-5,674 bps
Equity / Assets87.89%95.26%95.81%91.29%94.45%84.55%86.39%80.98%-1,031 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets25.80%11.79%3.80%3.74%3.94%20.24%16.29%21.20%+1,746 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a