PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Financial Bank

Atlanta, GA · Cert 33800

FDIC

Q4 2002

$241.4MAssets
n/aLoans
$10.0MDeposits
$93.9MEquity
Deposit mix
100%Interest-bearing $10.0M0%Noninterest $0.0MQ1 2001Q4 2002

Executive Summary

  • Earnings: ROA of 0.26%, down 93 bps year over year; NIM at 1.25%.
  • Funding: loans stand at 0.00% of deposits as of Q4 2002.

Return on Assets (quarter, annualized)

0.26%-93 bps YoY

Net Interest Margin (quarter, annualized)

1.25%-114 bps YoY

Efficiency Ratio (quarter, annualized)

46.53%+2,414 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.76%Q1 ’012.42%Q4 ’011.28%Q4 ’02-49%-48%

Non-interest income vs. expense

0.46%Q1 ’010.54%Q4 ’010.58%Q4 ’02+16%+9%

Discrete quarter, annualized.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets2.69%2.06%1.68%1.19%0.85%0.86%0.55%0.26%-93 bps
Return on Equityn/a4.69%3.83%2.95%2.19%2.10%1.45%0.70%-224 bps
Net Interest Margin4.67%3.35%2.88%2.39%2.02%2.07%1.47%1.25%-114 bps
Efficiency Ratio9.86%13.21%15.59%22.39%24.30%27.33%33.04%46.53%+2,414 bps
Non-Interest Burden0.46%0.44%0.45%0.54%0.49%0.57%0.49%0.58%+5 bps
Growth
Asset Growth (YoY)2.07%4.02%3.27%22.15%8.51%5.18%25.41%-6.06%-2,822 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
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 Capital71.33%85.50%102.87%67.25%87.34%84.71%46.05%80.19%+1,293 bps
Equity / Assets44.69%43.14%44.74%36.96%40.53%41.20%35.45%38.90%+194 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets7.70%8.29%9.50%8.82%11.23%13.98%0.00%33.52%+2,470 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a