Decatur, AL · Cert 34015
FDIC
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Decatur, AL · Cert 34015
FDIC
Q4 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.55% | 0.49% | 0.39% | 0.63% | 0.78% | 0.63% | 0.02%1 | -37 bps | |
| Return on Equity | 7.32% | 7.28% | 6.12% | 4.85% | 7.15% | 8.92% | 7.15% | 0.21% | -464 bps | |
| Net Interest Margin | 3.38% | 3.51% | 3.67% | 3.56% | 3.19% | 3.22% | 3.29% | 3.32% | -24 bps | |
| Efficiency Ratio | 79.21% | 83.06% | 84.66% | 92.36% | 90.08% | 82.71% | 80.02% | 87.52% | -484 bps | |
| Non-Interest Burden | 2.62% | 2.84% | 3.04% | 3.26% | 2.81% | 2.53% | 2.47% | 2.80% | -46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.08% | -12.28% | -22.39% | -11.76% | -2.63% | 1.85% | 6.70% | 3.74% | +1,549 bps | |
| Loan Growth (YoY) | -6.76% | -14.73% | -27.41% | -26.91% | -18.33% | -11.91% | 1.52% | 6.38% | +3,329 bps | |
| Deposit Growth (YoY) | -8.57% | -13.24% | -25.43% | -20.76% | -15.51% | -13.65% | -10.97% | -8.53% | +1,223 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 | 1.80% | 1.82% | 2.67% | 2.75% | 1.10% | 1.14% | 1.46% | 1.80% | -95 bps | |
| Allowance / Loans | 5.06% | 4.72% | 4.47% | 3.72% | 3.16% | 2.76% | 2.43% | 2.57% | -115 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 | 10.53% | 11.24% | 12.06% | 11.98% | 11.81% | 12.05% | 11.84% | 11.14% | -85 bps | |
| Equity / Assets | 7.94% | 8.47% | 8.98% | 8.82% | 8.81% | 8.60% | 8.82% | 8.33% | -49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.55% | 101.53% | 93.33% | 94.08% | 98.17% | 103.58% | 106.43% | 109.42% | +1,534 bps | |
| Liquid Assets / Assets | 0.02% | 0.00% | 0.01% | 0.02% | 0.15% | 0.15% | 0.08% | 0.10% | +7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |