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Eagle Bank of Alabama

Opelika, AL · Cert 32573

FDIC

Q4 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2002, the quarter ended December 31, 2002, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Eagle Bank of Alabama

Opelika, AL · Cert 32573

FDIC

Q4 2002

$74.5MAssets
$57.2MLoans
$62.2MDeposits
$5.0MEquity
Deposit mix
92%Interest-bearing $57.4M8%Noninterest $4.8MQ4 2001Q4 2002

NIM

9.19%Q1 ’018.09%Q4 ’016.59%Q4 ’02-12%-21%

Non-interest income vs. expense

2.73%Q1 ’012.60%Q4 ’012.71%Q4 ’02-2%+10%

Executive Summary

  • Earnings: ROA of 0.21%, down 48 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.67%.
  • Funding: loans stand at 92.02% of deposits as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

0.21%-48 bps YoY

Net Interest Margin (YTD, annualized)

2.96%-77 bps YoY

Efficiency Ratio (YTD, annualized)

79.43%+1,865 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets0.69%0.47%0.40%0.27%0.21%-48 bps
Return on Equityn/a6.91%5.96%4.08%3.15%n/a
Net Interest Margin3.73%3.14%2.97%2.95%2.96%-77 bps
Efficiency Ratio60.79%68.77%71.68%76.29%79.43%+1,865 bps
Non-Interest Burden2.05%2.00%1.99%2.15%2.26%+20 bps
Growth
Asset Growth (YoY)13.72%14.90%13.11%7.53%4.22%-950 bps
Loan Growth (YoY)16.47%19.20%7.11%1.41%-4.01%-2,047 bps
Deposit Growth (YoY)9.48%4.23%2.76%-2.76%-1.52%-1,100 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.43%0.77%0.52%0.35%0.67%+24 bps
Allowance / Loans1.69%1.48%1.63%1.80%1.56%-13 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.59%10.09%10.57%10.69%10.60%+1 bps
Equity / Assets6.99%6.65%6.58%6.70%6.69%-30 bps
Liquidity & Funding
Loans / Deposits94.41%101.10%91.82%92.98%92.02%-238 bps
Liquid Assets / Assets9.32%11.84%18.70%18.28%16.52%+719 bps
CRE / Total Capitaln/an/an/an/an/an/an/a