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Bank of Carbon Hill

Carbon Hill, AL · Cert 15554

FDIC

Q1 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2002, the quarter ended March 31, 2002, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Bank of Carbon Hill

Carbon Hill, AL · Cert 15554

FDIC

Q1 2002

$33.4MAssets
$8.5MLoans
$28.1MDeposits
$5.2MEquity
Deposit mix
85%Interest-bearing $23.9M15%Noninterest $4.1MQ1 2001Q1 2002

NIM

6.58%Q1 ’015.21%Q1 ’02-6%

Non-interest income vs. expense

2.68%Q1 ’012.24%Q1 ’02-17%

Executive Summary

  • Earnings: ROA of 1.52%, up 47 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 30.28% of deposits as of Q1 2002.

Financial Results

Return on Assets (YTD, annualized)

1.52%+47 bps YoY

Net Interest Margin (YTD, annualized)

3.21%-20 bps YoY

Efficiency Ratio (YTD, annualized)

59.74%-662 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets1.05%1.19%1.12%0.38%1.52%+47 bps
Return on Equityn/an/an/an/a9.57%n/an/a
Net Interest Margin3.41%3.66%3.60%3.46%3.21%-20 bps
Efficiency Ratio66.37%64.29%65.57%91.47%59.74%-662 bps
Non-Interest Burden2.05%2.14%2.16%3.12%1.70%-35 bps
Growth
Asset Growth (YoY)2.91%2.71%5.01%4.36%4.98%+207 bps
Loan Growth (YoY)1.74%1.27%-4.05%-12.51%-14.97%-1,671 bps
Deposit Growth (YoY)4.89%0.63%3.54%5.11%6.92%+202 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%-0.02%0.04%0.03%0.00%0 bps
Allowance / Loans0.70%0.74%0.72%0.76%0.79%+9 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital36.32%38.51%39.75%41.40%42.79%+647 bps
Equity / Assets16.72%17.24%17.05%16.23%15.62%-110 bps
Liquidity & Funding
Loans / Deposits38.07%37.58%34.88%32.49%30.28%-779 bps
Liquid Assets / Assets33.83%31.07%28.35%23.57%21.13%-1,270 bps
CRE / Total Capitaln/an/an/an/an/an/an/a