Carbon Hill, AL · Cert 15554
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Carbon Hill, AL · Cert 15554
FDIC
Q1 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.89% | 0.97% | 1.05% | 1.19% | 1.12% | 0.38% | 1.52% | +47 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 9.57% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.41% | 3.66% | 3.60% | 3.46% | 3.21% | -20 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 66.37% | 64.29% | 65.57% | 91.47% | 59.74% | -662 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 2.05% | 2.14% | 2.16% | 3.12% | 1.70% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.14% | -0.01% | -4.22% | 2.91% | 2.71% | 5.01% | 4.36% | 4.98% | +207 bps | |
| Loan Growth (YoY) | -5.39% | -7.00% | -5.07% | 1.74% | 1.27% | -4.05% | -12.51% | -14.97% | -1,671 bps | |
| Deposit Growth (YoY) | 1.73% | 4.68% | 6.22% | 4.89% | 0.63% | 3.54% | 5.11% | 6.92% | +202 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 0.00% | -0.02% | 0.04% | 0.03% | 0.00% | 0 bps | |
| Allowance / Loans | n/a | n/a | n/a | 0.70% | 0.74% | 0.72% | 0.76% | 0.79% | +9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | 36.32% | 38.51% | 39.75% | 41.40% | 42.79% | +647 bps | |
| Equity / Assets | n/a | n/a | n/a | 16.72% | 17.24% | 17.05% | 16.23% | 15.62% | -110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 37.34% | 37.64% | 39.04% | 38.07% | 37.58% | 34.88% | 32.49% | 30.28% | -779 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 33.83% | 31.07% | 28.35% | 23.57% | 21.13% | -1,270 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |