PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mobile County Bank

Grand Bay, AL · Cert 26343

FDIC

Q1 2002

$38.8MAssets
$21.2MLoans
$35.3MDeposits
$3.3MEquity
Loan mix
70%RE $7.3M29%C&I $3.0M1%Consumer $0.1MQ2 2000Q1 2002
Deposit mix
81%Interest-bearing $28.4M19%Noninterest $6.9MQ2 2000Q1 2002

Executive Summary

  • Earnings: ROA of 0.94%, down 6 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.89%.
  • Funding: loans stand at 59.93% of deposits as of Q1 2002.

Return on Assets (YTD, annualized)

0.94%-6 bps YoY

Net Interest Margin (YTD, annualized)

4.33%+16 bps YoY

Efficiency Ratio (YTD, annualized)

71.92%-120 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.41%Q1 ’016.30%Q1 ’02+4%

Non-interest income vs. expense

4.00%Q1 ’014.09%Q1 ’02+2%

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets1.10%1.11%1.04%1.00%1.01%0.98%0.93%0.94%-6 bps
Return on Equityn/an/an/an/an/an/an/a11.37%n/an/a
Net Interest Marginn/an/an/a4.17%4.13%4.19%3.88%4.33%+16 bps
Efficiency Ration/an/an/a73.12%72.09%72.74%73.37%71.92%-120 bps
Non-Interest Burdenn/an/an/a2.70%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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.37%0.25%0.48%0.44%0.89%+51 bps
Allowance / Loansn/an/an/a1.29%1.28%1.23%1.26%1.17%-13 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/a13.20%12.77%12.74%12.54%13.03%-17 bps
Equity / Assetsn/an/an/a8.36%8.47%8.61%8.02%8.54%+17 bps
Liquidity & Funding
Loans / Deposits55.53%59.52%59.52%61.57%64.71%60.73%56.76%59.93%-163 bps
Liquid Assets / Assets0.00%0.00%0.00%0.28%0.27%0.27%0.25%0.26%-2 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a