Parrish, AL · Cert 63
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.
Parrish, AL · Cert 63
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 | 0.88% | 0.93% | 0.86% | 0.49% | 0.70% | 0.82% | 0.22% | 1.36% | +87 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 9.56% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.30% | 3.45% | 3.51% | 3.48% | 3.56% | +26 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 81.02% | 75.97% | 73.46% | 91.53% | 64.38% | -1,663 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 2.59% | 2.51% | 2.45% | 3.15% | 2.15% | -45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.62% | 6.41% | -6.28% | 4.69% | -0.97% | -1.91% | -1.37% | -2.06% | -675 bps | |
| Loan Growth (YoY) | 22.04% | 15.37% | 5.02% | -3.92% | -15.27% | -22.87% | -22.74% | -17.20% | -1,328 bps | |
| Deposit Growth (YoY) | 7.25% | 6.68% | 5.90% | 7.15% | 0.25% | -0.93% | -1.12% | -1.66% | -880 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 | 0.06% | 0.51% | 0.34% | 0.24% | 0.87% | +82 bps | |
| Allowance / Loans | n/a | n/a | n/a | 0.68% | 0.49% | 0.54% | 0.57% | 0.37% | -31 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 | 31.13% | 31.44% | 33.85% | 33.82% | 34.40% | +327 bps | |
| Equity / Assets | n/a | n/a | n/a | 14.10% | 14.35% | 14.92% | 14.49% | 13.91% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.58% | 43.19% | 42.73% | 37.65% | 35.14% | 33.63% | 33.39% | 31.70% | -595 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 33.71% | 30.27% | 24.12% | 18.33% | 15.71% | -1,800 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |