Cullman, AL · Charter 68497
Q2 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.64% | -0.08% | 0.08% | -0.01% | -0.09% | -0.37% | -0.60% | -68 bps | |
| Return on Equity | 9.19% | 7.09% | -0.82% | 0.94% | -0.10% | -1.01% | -4.12% | -6.61% | -754 bps | |
| Net Interest Margin | 4.02% | 3.97% | 3.79% | 3.53% | 3.72% | 3.57% | 3.45% | 3.59% | +6 bps | |
| Efficiency Ratio | 78.01% | 80.02% | 99.05% | 96.41% | 97.41% | 98.06% | 100.85% | 105.94% | +953 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.51% | 8.28% | 1.15% | 1.30% | -4.71% | 0.19% | 3.47% | -4.47% | -577 bps | |
| Loan Growth (YoY) | -4.85% | -2.33% | -3.01% | 4.99% | 8.86% | 14.58% | 28.52% | 24.28% | +1,929 bps | |
| Share Growth (YoY) | 13.07% | 8.59% | 0.75% | 1.17% | -5.18% | 0.24% | 3.93% | -4.54% | -572 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.28% | 2.74% | 1.82% | 1.15% | 1.03% | 0.85% | 0.49% | 2.05% | +90 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 | 0.76% | 0.67% | 0.67% | 0.42% | 0.47% | 0.51% | 0.34% | 0.45% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.96% | 9.09% | 9.47% | 8.96% | 9.42% | 8.98% | 9.06% | 9.02% | +6 bps | |
| Net Worth / Assets | 8.96% | 9.09% | 9.47% | 8.96% | 9.42% | 8.98% | 9.06% | 9.02% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.69% | 62.52% | 64.60% | 63.18% | 71.98% | 71.46% | 79.89% | 82.26% | +1,908 bps | |
| Liquid Assets / Assets | 25.54% | 38.65% | 14.98% | 27.31% | 23.52% | 26.77% | 18.84% | 19.91% | -741 bps | |