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M B Inc.

Pine Hill, AL · Charter 20375

Q4 2001

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: Q4 2001, the quarter ended December 31, 2001, 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: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

M B Inc.

Pine Hill, AL · Charter 20375

Q4 2001

$832KAssets
$565KLoans
$728KShares
$98KNet Worth

Executive Summary

  • Earnings: ROA of -0.86%, down 302 bps year over year; NIM at 6.96%.
  • Asset quality: problem loans at 4.33% of loans (-231 bps YoY).
  • Capital: net worth / assets of 11.77%.
  • Funding: loans stand at 77.55% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-0.86%-302 bps YoY

Net Interest Margin (YTD, annualized)

6.96%-16 bps YoY

Efficiency Ratio (YTD, annualized)

67.82%-522 bps YoY

Net Worth / Assets

11.77%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets5.60%6.27%4.18%2.16%3.13%3.74%2.20%-0.86%-302 bps
Return on Equityn/an/an/an/an/a25.07%15.86%-7.30%n/a
Net Interest Marginn/an/an/a7.12%7.42%8.68%7.19%6.96%-16 bps
Efficiency Ration/an/an/a73.03%62.20%61.64%62.60%67.82%-522 bps
Growth
Asset Growth (YoY)-16.55%-8.52%8.24%8.38%10.66%-2.25%2.19%13.62%+524 bps
Loan Growth (YoY)-19.75%-27.79%-19.56%-4.73%7.57%19.25%18.75%-1.58%+315 bps
Share Growth (YoY)-6.51%8.55%2.95%3.35%5.04%-8.80%-4.05%12.38%+902 bps
Asset Quality
Delinquent Loans / Loans1.25%3.39%5.36%6.64%4.75%4.10%6.67%4.33%-231 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.50%4.69%5.87%5.34%5.49%3.85%3.40%2.04%-330 bps
Capital
Risk-Based Capitaln/an/an/an/an/a14.91%13.90%11.77%n/a
Net Worth / Assetsn/an/an/an/an/a14.91%13.90%11.77%n/a
Liquidity & Funding
Loans / Shares86.98%85.64%70.57%88.55%89.08%111.99%87.33%77.55%-1,100 bps
Liquid Assets / Assets17.22%16.34%35.22%0.00%0.00%6.65%25.98%31.56%+3,156 bps