Tuscaloosa, AL · Charter 24515
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Tuscaloosa, AL · Charter 24515
Q3 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 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 1.64% | -6.80% | -3.07% | -1.79% | -17.55% | -9.60% | -6.29% | -322 bps | |
| Return on Equity | 24.28% | 34.33% | -460% | -112.98% | -50.43% | -104807% | -2512% | -1037% | -92,407 bps | |
| Net Interest Margin | 6.80% | 6.04% | 6.86% | 7.41% | 7.42% | 7.76% | 8.09% | 7.44% | +3 bps | |
| Efficiency Ratio | 69.66% | 63.56% | 73.73% | 64.42% | 61.03% | 302% | 130.24% | 118.94% | +5,452 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.83% | 17.18% | 5.94% | 6.39% | -0.36% | -27.88% | -37.50% | -37.38% | -4,377 bps | |
| Loan Growth (YoY) | 31.26% | 32.36% | 14.10% | 7.55% | 6.30% | -20.22% | -39.93% | -39.50% | -4,705 bps | |
| Share Growth (YoY) | 23.22% | 30.52% | 18.76% | 12.97% | 0.67% | -23.71% | -36.84% | -35.85% | -4,882 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.15% | 9.38% | 16.65% | 11.38% | 13.84% | 18.71% | 28.12% | 41.78% | +3,040 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 | 4.59% | 3.67% | 6.68% | 7.67% | 3.35% | 8.53% | 7.54% | 8.50% | +83 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 3.97% | 4.78% | 1.48% | 2.71% | 3.54% | 0.02% | 0.38% | 0.61% | -211 bps | |
| Net Worth / Assets | 3.97% | 4.78% | 1.48% | 2.71% | 3.54% | 0.02% | 0.38% | 0.61% | -211 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.04% | 64.87% | 74.88% | 69.14% | 64.46% | 67.84% | 71.22% | 65.21% | -393 bps | |
| Liquid Assets / Assets | 39.65% | 36.50% | 28.66% | 32.80% | 34.66% | 19.26% | 31.03% | 37.09% | +429 bps | |