Berry, AL · Cert 43
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Berry, AL · Cert 43
FDIC
Q1 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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.78% | 0.50% | 0.00% | 0.34% | 0.46% | 0.44% | 0.85% | +85 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 7.07% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 2.77% | 2.78% | 2.86% | 2.85% | 3.00% | +23 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 83.96% | 77.00% | 76.67% | 83.41% | 76.52% | -744 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 2.24% | 2.02% | 2.07% | 2.29% | 2.17% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.39% | 6.01% | 4.66% | 1.72% | 2.97% | -0.17% | 0.87% | 0.24% | -147 bps | |
| Loan Growth (YoY) | -10.71% | -5.51% | 0.78% | 9.40% | -3.97% | -8.45% | -19.66% | -27.59% | -3,699 bps | |
| Deposit Growth (YoY) | 3.88% | 6.72% | 7.75% | 4.57% | 6.11% | 2.42% | 2.00% | 2.04% | -252 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 | n/a | n/a | -0.35% | -0.19% | 0.00% | -0.05% | 0.00% | +35 bps | |
| Allowance / Loans | n/a | n/a | n/a | 0.82% | 0.90% | 0.87% | 0.97% | 1.08% | +25 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 | n/a | n/a | 37.50% | 39.44% | 40.68% | 39.74% | 39.72% | +221 bps | |
| Equity / Assets | n/a | n/a | n/a | 12.80% | 12.82% | 13.37% | 12.55% | 11.39% | -141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 20.74% | 19.83% | 21.35% | 20.84% | 18.77% | 17.73% | 16.81% | 14.79% | -605 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 39.67% | 36.15% | 33.26% | 24.33% | 20.27% | -1,940 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |