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 $0.0MQ3 1999Q2 2001

Executive Summary

  • Earnings: ROA of 1.17%, down 451 bps year over year; NIM at 2.86%.
  • Funding: loans stand at 0.00% of deposits as of Q2 2001.

Return on Assets (quarter, annualized)

1.17%-451 bps YoY

Net Interest Margin (quarter, annualized)

2.86%

Efficiency Ratio (quarter, annualized)

44.20%

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.30%Q1 ’015.94%Q2 ’01+33%

Non-interest income vs. expense

1.37%Q1 ’011.48%Q2 ’01+2%

Discrete quarter, annualized.

MetricQ3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.11%1.18%1.19%5.68%4.37%3.42%0.66%1.17%-451 bps
Return on Equityn/an/an/an/an/an/an/a21.77%n/an/a
Net Interest Marginn/an/an/an/an/an/a2.14%2.86%n/a
Efficiency Ration/an/an/an/an/an/a53.95%44.20%n/a
Non-Interest Burdenn/an/an/an/an/an/a0.97%0.99%n/a
Growth
Asset Growth (YoY)90.12%65.12%11.37%-44.17%-51.55%-43.37%-37.09%26.87%+7,104 bps
Loan Growth (YoY)89.67%-43.06%-86.91%-100.00%-100.00%-100.00%-100.00%n/an/a
Deposit Growth (YoY)93.07%65.11%8.08%-43.10%-50.98%-41.41%-33.08%28.36%+7,146 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%n/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/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/a10.80%12.49%n/a
Equity / Assetsn/an/an/an/an/an/a5.06%5.73%n/a
Liquidity & Funding
Loans / Deposits2.19%0.66%0.19%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%80.24%77.45%+7,745 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a