Scottsboro, AL · Charter 62652
Q2 2002
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.44% | 3.61% | 0.00% | 0.57% | 0.44% | 1.08% | -0.02% | 0.10% | -47 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 3.88% | 9.07% | -0.17% | 0.91% | n/a | |
| Net Interest Margin | n/a | n/a | 3.63% | 4.39% | 4.12% | 4.52% | 4.21% | 3.29% | -109 bps | |
| Efficiency Ratio | n/a | n/a | 83.63% | 74.33% | 82.57% | 70.95% | 77.35% | 91.78% | +1,745 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.03% | 4.03% | 7.41% | 1.45% | -0.77% | -7.90% | -5.97% | 4.14% | +269 bps | |
| Loan Growth (YoY) | -16.14% | -20.65% | -15.57% | -0.87% | 19.87% | 26.46% | 7.71% | -18.66% | -1,779 bps | |
| Share Growth (YoY) | -1.11% | 3.67% | 7.77% | 1.14% | -1.30% | -9.77% | -7.09% | 4.49% | +335 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.05% | 2.76% | 4.40% | 3.19% | 2.07% | 5.11% | 11.99% | 15.12% | +1,193 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 | 0.96% | 0.80% | 2.17% | 1.87% | 1.46% | 1.87% | 2.98% | 1.63% | -24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 11.23% | 11.92% | 10.93% | 10.67% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 11.23% | 11.92% | 10.93% | 10.67% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.80% | 45.45% | 43.01% | 55.20% | 64.12% | 63.70% | 49.86% | 42.97% | -1,223 bps | |
| Liquid Assets / Assets | 45.97% | 51.59% | 56.71% | 33.32% | 38.47% | 37.84% | 52.33% | 55.84% | +2,252 bps | |