PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Allfirst Trust Company National Association

McLean, VA · Cert 34466

FDIC

Q1 2003

$89.2MAssets
n/aLoans
n/aDeposits
$84.9MEquity

Executive Summary

  • Earnings: ROA of 21.02%, down 649 bps year over year; NIM at 0.26%.

Return on Assets (quarter, annualized)

21.02%-649 bps YoY

Net Interest Margin (quarter, annualized)

0.26%-10 bps YoY

Efficiency Ratio (quarter, annualized)

50.61%-66 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

1.66%Q1 ’010.36%Q1 ’020.26%Q1 ’03-78%-29%

Non-interest income vs. expense

64.28%Q1 ’0149.14%Q1 ’0235.14%Q1 ’03+42%+27%

Discrete quarter, annualized.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets36.73%36.77%33.58%27.51%23.34%21.68%24.98%21.02%-649 bps
Return on Equity41.91%41.33%37.34%30.51%25.58%23.72%27.37%22.51%-799 bps
Net Interest Margin1.15%0.91%0.50%0.36%0.37%0.39%0.32%0.26%-10 bps
Efficiency Ratio53.60%48.51%47.27%51.27%55.01%54.43%45.61%50.61%-66 bps
Non-Interest Burden-53.82%-58.79%-53.97%-46.35%-39.00%-36.09%-42.50%-34.04%+1,231 bps
Growth
Asset Growth (YoY)58.01%39.10%41.06%41.08%33.70%32.86%28.08%22.10%-1,898 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 Capital252%273%273%295%187.82%191.85%212%223%-7,213 bps
Equity / Assets87.59%90.24%89.62%90.73%91.78%91.05%91.48%95.22%+450 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets23.62%21.95%19.85%18.62%0.00%0.00%0.00%0.00%-1,862 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a