Opelika, AL · Cert 32573
FDIC
Q4 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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.91% | 0.79% | 0.69% | 0.47% | 0.40% | 0.27% | 0.21% | -48 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 6.91% | 5.96% | 4.08% | 3.15% | n/a | |
| Net Interest Margin | 4.24% | 3.99% | 3.81% | 3.73% | 3.14% | 2.97% | 2.95% | 2.96% | -77 bps | |
| Efficiency Ratio | 56.03% | 54.86% | 57.03% | 60.79% | 68.77% | 71.68% | 76.29% | 79.43% | +1,865 bps | |
| Non-Interest Burden | 2.10% | 1.91% | 1.92% | 2.05% | 2.00% | 1.99% | 2.15% | 2.26% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.88% | 11.57% | 15.24% | 13.72% | 14.90% | 13.11% | 7.53% | 4.22% | -950 bps | |
| Loan Growth (YoY) | 5.75% | 8.23% | 15.08% | 16.47% | 19.20% | 7.11% | 1.41% | -4.01% | -2,047 bps | |
| Deposit Growth (YoY) | 12.89% | 13.80% | 16.16% | 9.48% | 4.23% | 2.76% | -2.76% | -1.52% | -1,100 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 | 0.73% | 0.67% | 0.51% | 0.43% | 0.77% | 0.52% | 0.35% | 0.67% | +24 bps | |
| Allowance / Loans | 1.53% | 1.53% | 1.63% | 1.69% | 1.48% | 1.63% | 1.80% | 1.56% | -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 | 10.74% | 10.87% | 10.52% | 10.59% | 10.09% | 10.57% | 10.69% | 10.60% | +1 bps | |
| Equity / Assets | 7.05% | 6.97% | 6.98% | 6.99% | 6.65% | 6.58% | 6.70% | 6.69% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.41% | 88.09% | 89.16% | 94.41% | 101.10% | 91.82% | 92.98% | 92.02% | -238 bps | |
| Liquid Assets / Assets | 14.85% | 15.89% | 14.29% | 9.32% | 11.84% | 18.70% | 18.28% | 16.52% | +719 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |