PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sunamerica Trust Company

Englewood, CO · Cert 91327

FDIC

Q2 2001

$585.9MAssets
n/aLoans
$547.0MDeposits
$33.6MEquity
Deposit mix
100%Interest-bearing $547.0M0%Noninterest $0.0MQ2 2000Q2 2001

NIM

6.30%Q1 ’015.88%Q2 ’01+13%

Non-interest income vs. expense

1.37%Q1 ’011.37%Q2 ’01-2%

Executive Summary

  • Earnings: ROA of 0.94%, down 475 bps year over year; NIM at 2.42%.
  • Funding: loans stand at 0.00% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.94%-475 bps YoY

Net Interest Margin (YTD, annualized)

2.42%

Efficiency Ratio (YTD, annualized)

48.23%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets5.68%4.37%3.42%0.66%0.94%-475 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a2.14%2.42%n/a
Efficiency Ration/an/an/a53.95%48.23%n/a
Non-Interest Burdenn/an/an/a0.97%0.94%n/a
Growth
Asset Growth (YoY)-44.17%-51.55%-43.37%-37.09%26.87%+7,104 bps
Loan Growth (YoY)-100.00%-100.00%-100.00%-100.00%n/an/a
Deposit Growth (YoY)-43.10%-50.98%-41.41%-33.08%28.36%+7,146 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/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/a10.80%12.49%n/a
Equity / Assetsn/an/an/a5.06%5.73%n/a
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%80.24%77.45%+7,745 bps
CRE / Total Capitaln/an/an/an/an/an/an/a