PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Evergreen Bank, National Association

Glens Falls, NY · Cert 7073

FDIC

Q4 2001

$1.3BAssets
$875.1MLoans
$1.0BDeposits
$93.5MEquity
Loan mix
77%RE $328.9M22%C&I $95.6M0%Consumer $2.0MQ4 2000Q4 2001
Deposit mix
89%Interest-bearing $898.4M11%Noninterest $115.3MQ4 2000Q4 2001

NIM

7.30%Q1 ’016.90%Q3 ’016.77%Q4 ’01+4%+3%

Non-interest income vs. expense

2.44%Q1 ’012.30%Q3 ’012.40%Q4 ’01-9%+7%

Executive Summary

  • Earnings: ROA of 1.03%, up 27 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.33%.
  • Funding: loans stand at 86.33% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

1.03%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.56%

Efficiency Ratio (YTD, annualized)

60.13%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.76%1.19%0.88%0.98%1.03%+27 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a3.33%3.39%3.45%3.56%n/a
Efficiency Ration/a65.21%61.54%58.79%60.13%n/a
Non-Interest Burdenn/a2.03%1.92%1.84%1.97%n/a
Growth
Asset Growth (YoY)6.93%13.14%7.87%4.11%-0.59%-752 bps
Loan Growth (YoY)13.71%10.58%7.59%6.20%3.27%-1,044 bps
Deposit Growth (YoY)2.22%9.74%8.80%3.80%2.42%+20 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.21%0.47%0.38%0.33%n/a
Allowance / Loansn/a0.88%1.00%1.04%1.02%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/a10.23%10.29%10.52%10.86%n/a
Equity / Assetsn/a6.14%6.23%6.81%7.42%n/a
Liquidity & Funding
Loans / Deposits85.62%78.78%82.78%83.62%86.33%+71 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a