PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Family Security Bank

Brookings, OR · Cert 34706

FDIC

Q3 2001

$34.2MAssets
$22.9MLoans
$30.3MDeposits
$2.8MEquity
Loan mix
51%RE $5.0M46%C&I $4.5M4%Consumer $0.4MQ3 2000Q3 2001
Deposit mix
82%Interest-bearing $24.9M18%Noninterest $5.4MQ3 2000Q3 2001

NIM

7.79%Q1 ’017.52%Q2 ’017.38%Q3 ’01-2%+1%

Non-interest income vs. expense

3.92%Q1 ’013.90%Q2 ’013.73%Q3 ’01-8%-5%

Executive Summary

  • Earnings: ROA of 1.20%, up 39 bps year over year; NIM at 4.41%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 75.62% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

1.20%+39 bps YoY

Net Interest Margin (YTD, annualized)

4.41%

Efficiency Ratio (YTD, annualized)

64.87%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.81%0.92%1.05%1.16%1.20%+39 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a4.45%4.38%4.41%n/a
Efficiency Ration/an/a69.56%67.59%64.87%n/a
Non-Interest Burdenn/an/a2.73%2.51%2.40%n/a
Growth
Asset Growth (YoY)14.47%13.86%13.46%21.05%14.98%+51 bps
Loan Growth (YoY)36.19%25.10%29.93%38.50%43.47%+728 bps
Deposit Growth (YoY)18.05%14.95%11.38%17.66%15.17%-288 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a-0.13%-0.06%0.05%n/a
Allowance / Loansn/an/a1.23%1.16%1.20%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/an/a11.69%11.04%10.88%n/a
Equity / Assetsn/an/a8.10%7.91%8.17%n/a
Liquidity & Funding
Loans / Deposits60.70%65.64%68.57%73.05%75.62%+1,492 bps
Liquid Assets / Assets0.00%0.00%0.05%0.00%0.58%+58 bps
CRE / Total Capitaln/an/an/an/an/an/an/a