Selma, AL · Charter 14171
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 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.
Selma, AL · Charter 14171
Q1 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.40% | 5.93% | 2.88% | 10.50% | 13.47% | 12.91% | 8.20% | -99.50% | -11,000 bps | |
| Return on Equity | 40.80% | 37.65% | 19.50% | 57.52% | 52.50% | 42.85% | 37.68% | -6814% | -687,196 bps | |
| Net Interest Margin | 9.56% | 9.38% | 6.51% | 16.98% | 19.01% | 18.65% | 10.12% | 31.53% | +1,454 bps | |
| Efficiency Ratio | 43.57% | 36.78% | 55.86% | 38.16% | 29.15% | 30.81% | 19.12% | 32.31% | -585 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 170.26% | 98.27% | 71.47% | 53.31% | -21.62% | -21.10% | 9.62% | -16.52% | -6,983 bps | |
| Loan Growth (YoY) | 128.29% | 63.06% | 57.96% | 49.24% | -11.26% | 1.37% | 21.70% | -12.57% | -6,181 bps | |
| Share Growth (YoY) | 228% | 125.78% | 66.44% | 66.43% | -42.19% | -45.00% | -3.71% | 11.64% | -5,479 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 32.20% | 7.77% | 18.12% | 4.68% | 29.74% | 31.27% | 31.75% | 41.60% | +3,691 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 | 1.00% | 1.18% | 1.05% | 0.91% | 1.13% | 1.16% | 0.86% | 31.50% | +3,059 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.25% | 15.75% | 14.77% | 18.26% | 25.66% | 30.12% | 21.76% | 1.46% | -1,680 bps | |
| Net Worth / Assets | 13.25% | 15.75% | 14.77% | 18.26% | 25.66% | 30.12% | 21.76% | 1.46% | -1,680 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.26% | 88.47% | 121.00% | 128.56% | 144.70% | 163.06% | 152.94% | 100.68% | -2,788 bps | |
| Liquid Assets / Assets | 18.18% | 24.43% | 11.26% | 2.64% | 4.24% | 1.78% | 0.00% | 28.49% | +2,585 bps | |