Mobile, AL · Charter 11498
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Mobile, AL · Charter 11498
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.47% | 0.27% | -0.01% | -0.04% | 0.04% | 0.45% | -17.94% | -1,793 bps | |
| Return on Equity | 4.27% | 3.51% | 1.88% | -0.06% | -0.33% | 0.36% | 3.30% | -506% | -50,579 bps | |
| Net Interest Margin | 4.01% | 3.64% | 3.92% | 3.71% | 3.61% | 3.30% | 3.42% | 1.36% | -235 bps | |
| Efficiency Ratio | 88.73% | 90.72% | 89.95% | 94.22% | 95.69% | 95.21% | 89.33% | 775% | +68,041 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.49% | 4.32% | -0.48% | 7.41% | 9.17% | 7.51% | 5.41% | 7.97% | +56 bps | |
| Loan Growth (YoY) | -8.82% | -3.56% | -1.40% | -11.17% | -11.16% | -11.82% | -18.50% | -20.29% | -912 bps | |
| Share Growth (YoY) | 10.35% | 3.52% | 3.56% | 7.74% | 10.19% | 8.69% | 6.20% | 19.06% | +1,132 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 1.02% | 1.00% | 0.76% | 0.73% | 1.15% | 0.74% | 1.06% | +31 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 | 0.58% | 0.58% | 0.42% | 0.62% | 0.41% | 0.41% | 0.48% | 0.42% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.50% | 13.43% | 14.14% | 13.46% | 13.29% | 12.54% | 13.51% | 3.55% | -992 bps | |
| Net Worth / Assets | 14.50% | 13.43% | 14.14% | 13.46% | 13.29% | 12.54% | 13.51% | 3.55% | -992 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.64% | 67.86% | 65.96% | 59.56% | 56.95% | 55.06% | 50.62% | 39.87% | -1,969 bps | |
| Liquid Assets / Assets | 18.77% | 27.82% | 26.11% | 33.16% | 35.48% | 30.82% | 28.36% | 57.99% | +2,483 bps | |