Birmingham, AL · Charter 63334
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.73% | 2.39% | 1.58% | 1.50% | 1.22% | 0.56% | -0.24% | -6.68% | -818 bps | |
| Return on Equity | 8.51% | 11.82% | 7.83% | 7.25% | 5.81% | 2.71% | -1.21% | -31.31% | -3,857 bps | |
| Net Interest Margin | 5.54% | 5.44% | 4.40% | 4.49% | 4.20% | 3.19% | 3.05% | 3.63% | -86 bps | |
| Efficiency Ratio | 49.64% | 56.89% | 65.06% | 67.53% | 71.88% | 83.14% | 89.08% | 97.03% | +2,950 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.35% | 6.21% | 5.02% | 4.54% | 3.10% | 1.80% | 2.56% | -2.82% | -736 bps | |
| Loan Growth (YoY) | -25.62% | -26.66% | -8.91% | -8.25% | -9.27% | -8.70% | -22.53% | -31.69% | -2,344 bps | |
| Share Growth (YoY) | 0.34% | 5.02% | 4.21% | 4.75% | 2.34% | 1.13% | 2.42% | 1.65% | -310 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.08% | 7.17% | 7.99% | 8.81% | 14.64% | 16.45% | 20.30% | 16.84% | +803 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 | 3.26% | 2.70% | 1.98% | 1.92% | 2.09% | 1.36% | 0.76% | 14.06% | +1,214 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.33% | 20.24% | 20.14% | 20.66% | 20.93% | 20.49% | 20.21% | 21.34% | +68 bps | |
| Net Worth / Assets | 20.33% | 20.24% | 20.14% | 20.66% | 20.93% | 20.49% | 20.21% | 21.34% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.28% | 61.33% | 64.60% | 64.55% | 60.53% | 55.37% | 48.86% | 43.38% | -2,117 bps | |
| Liquid Assets / Assets | 45.18% | 40.98% | 40.41% | 47.14% | 50.61% | 53.23% | 57.71% | 65.39% | +1,825 bps | |