PackageTrendsPeer
Letter portraitLegal landscape

Transamerica Bank, National Association

New Castle, DE · Cert 33940

FDIC

Q3 2002

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: Q3 2002, the quarter ended September 30, 2002, 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

Transamerica Bank, National Association

New Castle, DE · Cert 33940

FDIC

Q3 2002

$16.3MAssets
n/aLoans
$3KDeposits
$16.0MEquity
Deposit mix
0%Interest-bearing $0K100%Noninterest $3KQ3 2001Q3 2002

NIM

0.01%Q1 ’010.09%Q3 ’010.23%Q3 ’02-46%+101%

Non-interest income vs. expense

15.01%Q1 ’0131.98%Q3 ’0129.86%Q3 ’02-42%+90%

Executive Summary

  • Earnings: ROA of 1.17%, down 330 bps year over year; NIM at 0.09%.
  • Funding: loans stand at 0.00% of deposits as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

1.17%-330 bps YoY

Net Interest Margin (YTD, annualized)

0.09%+835 bps YoY

Efficiency Ratio (YTD, annualized)

93.89%+1,880 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets4.48%3.98%5.81%8.21%1.17%-330 bps
Return on Equityn/an/a7.48%10.30%1.40%n/a
Net Interest Margin-8.26%-14.08%0.21%0.12%0.09%+835 bps
Efficiency Ratio75.09%79.08%81.17%69.91%93.89%+1,880 bps
Non-Interest Burden-18.87%-31.79%-8.71%-13.12%-1.85%+1,702 bps
Growth
Asset Growth (YoY)-62.74%-81.96%-81.59%-71.75%-54.23%+851 bps
Loan Growth (YoY)n/an/an/an/an/an/a
Deposit Growth (YoY)-10.11%-94.54%-95.15%-97.31%-99.98%-8,987 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/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 Capital45.34%78.48%83.85%84.78%99.23%+5,389 bps
Equity / Assets44.42%73.27%82.54%83.78%98.26%+5,384 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.84%1.39%1.02%1.01%1.23%+38 bps
CRE / Total Capitaln/an/an/an/an/an/an/a