Birmingham, AL · Charter 13504
Q3 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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | -0.10% | 0.09% | 0.22% | 0.67% | 1.55% | 1.31% | 0.77% | +55 bps | |
| Return on Equity | 2.18% | -0.24% | 0.23% | 0.61% | 1.46% | 3.60% | 2.29% | 1.25% | +64 bps | |
| Net Interest Margin | 11.28% | 8.67% | 8.62% | 8.57% | 11.53% | 10.60% | 14.31% | 11.66% | +308 bps | |
| Efficiency Ratio | 91.13% | 101.10% | 98.99% | 97.51% | 94.30% | 85.59% | 90.93% | 93.52% | -399 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.23% | 8.81% | -1.58% | 5.52% | 3.58% | -2.71% | -31.43% | -40.78% | -4,630 bps | |
| Loan Growth (YoY) | 3.42% | -12.88% | 4.44% | 11.51% | 9.14% | 4.26% | -21.04% | -24.08% | -3,559 bps | |
| Share Growth (YoY) | -31.31% | 14.47% | -3.00% | 6.11% | 5.98% | -6.17% | -54.22% | -66.29% | -7,240 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.11% | 4.29% | 3.73% | 0.00% | 0.62% | 0.68% | 0.78% | 0.78% | +78 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 | 19.91% | 21.04% | 18.75% | 14.62% | 15.46% | 16.99% | 19.49% | 19.54% | +492 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 46.96% | 40.77% | 38.35% | 35.73% | 46.01% | 42.94% | 57.35% | 61.52% | +2,579 bps | |
| Net Worth / Assets | 46.96% | 40.77% | 38.35% | 35.73% | 46.01% | 42.94% | 57.35% | 61.52% | +2,579 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 162.97% | 120.25% | 125.51% | 116.41% | 167.84% | 133.62% | 216% | 262% | +14,578 bps | |
| Liquid Assets / Assets | 31.82% | 37.09% | 36.53% | 32.05% | 24.54% | 36.75% | 28.53% | 17.75% | -1,431 bps | |