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Bank of Berry

Berry, AL · Cert 43

FDIC

Q1 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: Q1 2002, the quarter ended March 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

Bank of Berry

Berry, AL · Cert 43

FDIC

Q1 2002

$12.8MAssets
$1.7MLoans
$11.3MDeposits
$1.5MEquity
Deposit mix
79%Interest-bearing $9.0M21%Noninterest $2.3MQ1 2001Q1 2002

NIM

6.16%Q1 ’015.23%Q1 ’02+8%

Non-interest income vs. expense

2.77%Q1 ’012.73%Q1 ’02-3%

Executive Summary

  • Earnings: ROA of 0.85%, up 85 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 14.79% of deposits as of Q1 2002.

Financial Results

Return on Assets (YTD, annualized)

0.85%+85 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+23 bps YoY

Efficiency Ratio (YTD, annualized)

76.52%-744 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets0.00%0.34%0.46%0.44%0.85%+85 bps
Return on Equityn/an/an/an/a7.07%n/an/a
Net Interest Margin2.77%2.78%2.86%2.85%3.00%+23 bps
Efficiency Ratio83.96%77.00%76.67%83.41%76.52%-744 bps
Non-Interest Burden2.24%2.02%2.07%2.29%2.17%-7 bps
Growth
Asset Growth (YoY)1.72%2.97%-0.17%0.87%0.24%-147 bps
Loan Growth (YoY)9.40%-3.97%-8.45%-19.66%-27.59%-3,699 bps
Deposit Growth (YoY)4.57%6.11%2.42%2.00%2.04%-252 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.35%-0.19%0.00%-0.05%0.00%+35 bps
Allowance / Loans0.82%0.90%0.87%0.97%1.08%+25 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 Capital37.50%39.44%40.68%39.74%39.72%+221 bps
Equity / Assets12.80%12.82%13.37%12.55%11.39%-141 bps
Liquidity & Funding
Loans / Deposits20.84%18.77%17.73%16.81%14.79%-605 bps
Liquid Assets / Assets39.67%36.15%33.26%24.33%20.27%-1,940 bps
CRE / Total Capitaln/an/an/an/an/an/an/a