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 $2.5MQ3 1999Q2 2001

Executive Summary

  • Earnings: ROA of -0.83%, down 263 bps year over year; NIM at 3.73%.
  • 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.

Return on Assets (quarter, annualized)

-0.83%-263 bps YoY

Net Interest Margin (quarter, annualized)

3.73%

Efficiency Ratio (quarter, annualized)

119.28%

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.68%Q1 ’016.56%Q2 ’01+8%

Non-interest income vs. expense

2.69%Q1 ’015.28%Q2 ’01+146%

Discrete quarter, annualized.

MetricQ3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.55%0.57%1.96%1.81%1.48%0.39%1.64%-0.83%-263 bps
Return on Equityn/an/an/an/an/an/an/a-6.84%n/an/a
Net Interest Marginn/an/an/an/an/an/a3.46%3.73%n/a
Efficiency Ration/an/an/an/an/an/a62.73%119.28%n/a
Non-Interest Burdenn/an/an/an/an/an/a1.86%4.58%n/a
Growth
Asset Growth (YoY)5.82%2.68%1.77%7.66%5.30%5.44%-0.33%-3.62%-1,128 bps
Loan Growth (YoY)49.94%25.75%17.08%4.87%9.18%9.58%15.93%12.43%+756 bps
Deposit Growth (YoY)6.52%2.25%1.13%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/a0.00%0.00%n/a
Allowance / Loansn/an/an/an/an/an/a0.89%0.89%n/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 Capitaln/an/an/an/an/an/a33.19%32.28%n/a
Equity / Assetsn/an/an/an/an/an/a12.10%12.11%n/a
Liquidity & Funding
Loans / Deposits30.34%30.10%28.99%29.48%31.45%31.22%33.85%34.38%+490 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%51.78%52.79%+5,279 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a