Mobile, AL · Charter 63197
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.
Mobile, AL · Charter 63197
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 | -0.51% | -3.14% | -1.91% | -1.46% | -2.11% | -2.47% | 0.65% | -4.43% | -297 bps | |
| Return on Equity | -6.09% | -52.43% | -29.24% | -21.52% | -31.54% | -40.60% | 10.02% | -91.05% | -6,954 bps | |
| Net Interest Margin | 5.19% | 4.41% | 4.42% | 5.20% | 6.51% | 6.43% | 5.25% | 5.90% | +70 bps | |
| Efficiency Ratio | 77.48% | 96.07% | 92.55% | 81.59% | 80.14% | 79.13% | 95.26% | 91.71% | +1,011 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.93% | 18.93% | 1.97% | -15.46% | -21.82% | -31.65% | -26.93% | -24.49% | -903 bps | |
| Loan Growth (YoY) | 26.74% | 3.49% | -4.33% | -28.04% | -32.82% | -22.34% | -20.57% | -11.65% | +1,640 bps | |
| Share Growth (YoY) | 16.46% | 24.46% | 6.33% | -12.54% | -18.76% | -31.99% | -27.37% | -23.54% | -1,100 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.54% | 3.42% | 4.40% | 5.57% | 8.73% | 10.65% | 10.27% | 5.57% | +1 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 | 1.66% | 3.33% | 2.61% | 2.07% | 2.27% | 3.63% | 2.77% | 3.07% | +100 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.34% | 5.99% | 6.53% | 6.78% | 6.68% | 6.09% | 6.52% | 4.86% | -192 bps | |
| Net Worth / Assets | 8.34% | 5.99% | 6.53% | 6.78% | 6.68% | 6.09% | 6.52% | 4.86% | -192 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.05% | 72.85% | 78.60% | 78.72% | 81.90% | 83.19% | 85.96% | 90.97% | +1,225 bps | |
| Liquid Assets / Assets | 5.33% | 24.64% | 19.14% | 18.92% | 17.80% | 19.35% | 15.70% | 10.66% | -826 bps | |