Prattville, AL · Charter 19063
Q4 2003
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.94% | 3.08% | 1.58% | 1.38% | 0.46% | 0.63% | 0.05% | 0.26% | -112 bps | |
| Return on Equity | 16.92% | 16.49% | 8.10% | 6.98% | 2.51% | 3.61% | 0.31% | 1.52% | -546 bps | |
| Net Interest Margin | 6.35% | 6.56% | 5.71% | 5.72% | 4.67% | 4.49% | 4.13% | 4.12% | -160 bps | |
| Efficiency Ratio | 55.56% | 58.18% | 69.07% | 68.72% | 76.05% | 77.12% | 90.38% | 82.55% | +1,383 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.59% | 17.21% | 14.78% | -7.59% | 2.59% | 11.53% | 21.29% | 18.62% | +2,621 bps | |
| Loan Growth (YoY) | 11.39% | 3.88% | 0.97% | -6.54% | -8.22% | -5.77% | -0.76% | 3.45% | +999 bps | |
| Share Growth (YoY) | 15.69% | 17.02% | 14.86% | -11.25% | 2.07% | 13.33% | 25.85% | 22.92% | +3,417 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.39% | 3.51% | 3.88% | 5.08% | 6.63% | 2.65% | 4.19% | 2.79% | -229 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 | 0.67% | 0.74% | 0.58% | 0.83% | 0.77% | 0.54% | 0.40% | 0.59% | -25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.38% | 18.66% | 19.51% | 19.76% | 18.33% | 17.44% | 16.58% | 16.92% | -284 bps | |
| Net Worth / Assets | 17.38% | 18.66% | 19.51% | 19.76% | 18.33% | 17.44% | 16.58% | 16.92% | -284 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.48% | 89.44% | 92.38% | 90.84% | 79.56% | 74.37% | 72.85% | 76.45% | -1,439 bps | |
| Liquid Assets / Assets | 22.71% | 22.32% | 20.59% | 22.43% | 25.86% | 27.91% | 24.57% | 23.60% | +118 bps | |