Sylacauga, AL · Cert 2831
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 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.
Sylacauga, AL · Cert 2831
FDIC
Q3 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 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.57% | 1.35% | 1.45% | 1.36% | 1.32% | 1.19% | 1.17% | 1.06% | -30 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 14.04% | 13.75% | 13.21% | n/a | |
| Net Interest Margin | n/a | 3.70% | 3.78% | 3.49% | 3.28% | 3.64% | 3.78% | 2.98% | -51 bps | |
| Efficiency Ratio | n/a | 63.84% | 61.78% | 62.45% | 64.73% | 67.47% | 67.41% | 67.66% | +521 bps | |
| Non-Interest Burden | n/a | 1.77% | 1.70% | 1.63% | 1.66% | 1.95% | 2.04% | 1.68% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.93% | -0.72% | 1.03% | 25.50% | 25.43% | 22.94% | 23.88% | 56.17% | +3,067 bps | |
| Loan Growth (YoY) | 10.69% | 1.62% | -0.01% | 21.53% | 30.93% | 34.48% | 31.52% | 68.85% | +4,732 bps | |
| Deposit Growth (YoY) | 4.84% | 1.23% | 1.06% | 28.55% | 30.15% | 27.36% | 26.77% | 57.07% | +2,852 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 | 0.18% | 0.14% | 0.08% | 0.06% | 0.16% | 0.16% | 0.18% | +11 bps | |
| Allowance / Loans | n/a | 1.27% | 1.21% | 1.23% | 1.22% | 1.17% | 1.11% | 0.96% | -27 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 | 12.89% | 12.51% | 10.52% | 10.67% | 10.98% | 10.71% | 9.41% | -110 bps | |
| Equity / Assets | n/a | 9.19% | 9.17% | 7.93% | 8.44% | 8.53% | 8.59% | 7.08% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.76% | 88.25% | 91.09% | 85.71% | 91.31% | 93.18% | 94.50% | 92.13% | +643 bps | |
| Liquid Assets / Assets | 0.00% | 0.31% | 0.17% | 0.19% | 0.05% | 0.12% | 0.16% | 0.14% | -5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |