Birmingham, AL · Charter 11278
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Birmingham, AL · Charter 11278
Q3 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.43% | 1.22% | 1.24% | 0.98% | 0.31% | -0.45% | -1.16% | -0.86% | -184 bps | |
| Return on Equity | n/a | n/a | n/a | 4.75% | 1.66% | -2.47% | -6.84% | -5.12% | -987 bps | |
| Net Interest Margin | n/a | 5.32% | 5.14% | 5.68% | 4.42% | 4.23% | 3.79% | 1.42% | -426 bps | |
| Efficiency Ratio | n/a | 83.87% | 83.12% | 87.94% | 95.34% | 107.38% | 106.61% | 130.41% | +4,247 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.05% | 8.39% | 4.68% | -4.88% | 4.73% | 3.63% | 3.36% | 12.66% | +1,753 bps | |
| Loan Growth (YoY) | 16.39% | 7.18% | 16.54% | 7.50% | -14.68% | -10.97% | -26.06% | -22.61% | -3,011 bps | |
| Share Growth (YoY) | 7.66% | 7.91% | 2.22% | -8.89% | 3.37% | 3.47% | 5.57% | 18.78% | +2,768 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 2.78% | 2.03% | 1.73% | 1.83% | 3.77% | 7.29% | 4.53% | +280 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.63% | 2.72% | 2.31% | 2.25% | 1.67% | 1.44% | 1.36% | 1.06% | -119 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 20.62% | 18.38% | 18.22% | 17.03% | 16.78% | -384 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 20.62% | 18.38% | 18.22% | 17.03% | 16.78% | -384 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.43% | 99.68% | 114.01% | 118.41% | 86.20% | 85.76% | 79.85% | 77.15% | -4,127 bps | |
| Liquid Assets / Assets | 8.08% | 8.34% | 0.93% | 1.97% | 28.26% | 23.95% | 31.58% | 34.79% | +3,283 bps | |