Chapman, AL · Charter 61702
Q4 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.16% | 5.98% | 6.25% | 5.41% | 5.65% | 6.02% | 1.33% | 1.33% | -407 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 9.71% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 4.07% | 4.07% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 67.51% | 67.51% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.48% | 4.64% | 11.89% | 19.61% | 18.54% | 21.45% | 12.75% | 7.26% | -1,236 bps | |
| Loan Growth (YoY) | 27.68% | 25.28% | 13.98% | 7.66% | 6.02% | 22.45% | 17.64% | 16.63% | +897 bps | |
| Share Growth (YoY) | 8.97% | 2.85% | 11.11% | 19.02% | 18.43% | 21.99% | 12.08% | 3.09% | -1,592 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.23% | 4.71% | 2.26% | 2.89% | 3.73% | 2.45% | 1.63% | 1.63% | -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 | 1.09% | 1.45% | 1.20% | 1.69% | 2.06% | 1.84% | 1.91% | 1.91% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 13.74% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 13.74% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 110.95% | 112.91% | 108.60% | 100.76% | 99.32% | 113.33% | 113.99% | 113.99% | +1,323 bps | |
| Liquid Assets / Assets | 6.75% | 1.90% | 1.80% | 3.60% | 2.12% | 2.13% | 0.00% | 0.00% | -360 bps | |