PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First American Bank, The

Minco, OK · Cert 4149

FDIC

Q2 2001

$14.8MAssets
$4.5MLoans
$13.0MDeposits
$1.8MEquity
Deposit mix
81%Interest-bearing $10.5M19%Noninterest $2.5MQ2 2000Q2 2001

NIM

6.68%Q1 ’016.62%Q2 ’01+4%

Non-interest income vs. expense

2.69%Q1 ’013.98%Q2 ’01+73%

Executive Summary

  • Earnings: ROA of 0.41%, down 139 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 34.38% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.41%-139 bps YoY

Net Interest Margin (YTD, annualized)

3.60%

Efficiency Ratio (YTD, annualized)

91.44%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.81%1.48%0.39%1.64%0.41%-139 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.46%3.60%n/a
Efficiency Ration/an/an/a62.73%91.44%n/a
Non-Interest Burdenn/an/an/a1.86%3.22%n/a
Growth
Asset Growth (YoY)7.66%5.30%5.44%-0.33%-3.62%-1,128 bps
Loan Growth (YoY)4.87%9.18%9.58%15.93%12.43%+756 bps
Deposit Growth (YoY)7.86%5.35%5.63%-0.73%-3.61%-1,147 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.00%0.00%n/a
Allowance / Loansn/an/an/a0.89%0.89%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/an/a33.19%32.28%n/a
Equity / Assetsn/an/an/a12.10%12.11%n/a
Liquidity & Funding
Loans / Deposits29.48%31.45%31.22%33.85%34.38%+490 bps
Liquid Assets / Assets0.00%0.00%0.00%51.78%52.79%+5,279 bps
CRE / Total Capitaln/an/an/an/an/an/an/a