Montgomery, AL · Charter 60523
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Montgomery, AL · Charter 60523
Q2 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 0.95% | 0.85% | 0.51% | 0.57% | 0.35% | 0.10% | 0.19% | -32 bps | |
| Return on Equity | 8.58% | 8.58% | 8.25% | 4.85% | 5.16% | 2.96% | 0.91% | 1.89% | -296 bps | |
| Net Interest Margin | 4.78% | 3.33% | 3.17% | 2.91% | 3.11% | 3.08% | 3.14% | 2.98% | +7 bps | |
| Efficiency Ratio | 78.72% | 77.04% | 77.17% | 84.92% | 81.13% | 86.74% | 92.08% | 89.38% | +446 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.50% | 21.11% | 32.02% | 33.47% | 36.91% | 0.76% | -6.84% | -1.94% | -3,541 bps | |
| Loan Growth (YoY) | 13.96% | 2.13% | 1.67% | 1.04% | -5.60% | -0.48% | -6.36% | -9.68% | -1,072 bps | |
| Share Growth (YoY) | -0.50% | 21.43% | 34.20% | 36.15% | 40.93% | 0.20% | -8.12% | -1.51% | -3,766 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.03% | 1.71% | 3.48% | 1.81% | 1.92% | 2.54% | 4.37% | 3.06% | +126 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.88% | 1.14% | 0.93% | 1.16% | 1.16% | 1.29% | 1.19% | 0.29% | -86 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.47% | 11.10% | 10.32% | 10.57% | 10.99% | 11.68% | 11.57% | 10.22% | -35 bps | |
| Net Worth / Assets | 13.47% | 11.10% | 10.32% | 10.57% | 10.99% | 11.68% | 11.57% | 10.22% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.82% | 72.58% | 67.38% | 69.85% | 66.19% | 72.09% | 68.68% | 64.06% | -580 bps | |
| Liquid Assets / Assets | 10.55% | 22.30% | 23.81% | 22.71% | 25.75% | 32.64% | 23.65% | 28.91% | +620 bps | |