Palmerdale, AL · Charter 64643
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Palmerdale, AL · Charter 64643
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.55% | 4.29% | 3.98% | 4.22% | 3.09% | 0.25% | 0.72% | -3.05% | -727 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -8.08% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 7.86% | 9.34% | 8.31% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 96.82% | 92.32% | 106.60% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.31% | -11.54% | -18.75% | -22.72% | -22.07% | -23.72% | -20.44% | -22.26% | +46 bps | |
| Loan Growth (YoY) | -3.25% | -12.90% | -11.72% | -16.79% | -37.66% | -35.65% | -26.54% | -33.13% | -1,634 bps | |
| Share Growth (YoY) | -5.51% | -18.42% | -27.16% | -32.74% | -32.08% | -33.94% | -29.74% | -29.65% | +309 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 1.93% | 3.49% | 0.00% | 0.00% | 7.79% | 15.90% | 0.00% | 0 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 | 2.21% | 2.02% | 2.62% | 2.69% | 3.17% | 3.69% | 3.71% | 6.30% | +362 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 37.78% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 37.78% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.41% | 96.92% | 103.51% | 108.37% | 94.92% | 94.40% | 108.22% | 103.01% | -536 bps | |
| Liquid Assets / Assets | 16.28% | 18.92% | 21.04% | 22.68% | 23.44% | 0.00% | 0.00% | 38.77% | +1,609 bps | |