Grand Bay, AL · Cert 26343
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.
Grand Bay, AL · Cert 26343
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 | 1.10% | 1.11% | 1.04% | 1.00% | 1.01% | 0.98% | 0.93% | 0.94% | -6 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 11.37% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 4.17% | 4.13% | 4.19% | 3.88% | 4.33% | +16 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 73.12% | 72.09% | 72.74% | 73.37% | 71.92% | -120 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 2.70% | 2.62% | 2.70% | 2.52% | 2.76% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.74% | -0.17% | 0.42% | 5.79% | 6.01% | 7.70% | 12.52% | 6.86% | +106 bps | |
| Loan Growth (YoY) | 27.84% | 35.79% | 36.90% | 31.95% | 22.27% | 9.26% | 7.35% | 4.09% | -2,785 bps | |
| Deposit Growth (YoY) | 0.38% | 0.60% | 1.13% | 4.63% | 4.92% | 7.08% | 12.57% | 6.93% | +230 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 | 0.37% | 0.25% | 0.48% | 0.44% | 0.89% | +51 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.29% | 1.28% | 1.23% | 1.26% | 1.17% | -13 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 | 13.20% | 12.77% | 12.74% | 12.54% | 13.03% | -17 bps | |
| Equity / Assets | n/a | n/a | n/a | 8.36% | 8.47% | 8.61% | 8.02% | 8.54% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.53% | 59.52% | 59.52% | 61.57% | 64.71% | 60.73% | 56.76% | 59.93% | -163 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.28% | 0.27% | 0.27% | 0.25% | 0.26% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |