Selma, AL · Charter 24791
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Selma, AL · Charter 24791
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.93% | 1.81% | -0.57% | -3.42% | -37.74% | -5.70% | -5.59% | -4.69% | -127 bps | |
| Return on Equity | -11.58% | 22.63% | -7.66% | -53.25% | n/a | -88.62% | -85.93% | -83.05% | -2,980 bps | |
| Net Interest Margin | 1.23% | 3.47% | 2.76% | 0.18% | 3.51% | 2.28% | 1.93% | 0.00% | -18 bps | |
| Efficiency Ratio | 129.90% | 48.45% | 106.63% | 476% | 686% | 226% | 244% | 525% | +4,859 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -31.98% | -34.39% | -35.11% | -11.55% | -40.53% | -35.36% | -39.95% | -42.61% | -3,106 bps | |
| Loan Growth (YoY) | n/a | n/a | 152.66% | 41.53% | -89.42% | -100.00% | -100.00% | -100.00% | -14,153 bps | |
| Share Growth (YoY) | -34.57% | -36.46% | -36.52% | -11.21% | -38.76% | -36.68% | -41.86% | -44.44% | -3,324 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 38.26% | 93.62% | 100.00% | 100.00% | 100.00% | n/a | n/a | n/a | n/a | |
| 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 | 0.00% | 0.51% | 15.00% | 15.86% | 229% | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 8.05% | 7.99% | 7.45% | 6.42% | -7.64% | 6.43% | 6.51% | 5.65% | -77 bps | |
| Net Worth / Assets | 8.05% | 7.99% | 7.45% | 6.42% | -7.64% | 6.43% | 6.51% | 5.65% | -77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 9.05% | 6.09% | 5.73% | 5.39% | 1.56% | 0.00% | 0.00% | 0.00% | -539 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |