Monroeville, AL · Cert 9611
FDIC
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.71% | 1.88% | 1.34% | 1.44% | 1.58% | 1.20% | 1.53% | 1.77% | +33 bps | |
| Return on Equity | 11.44% | 12.45% | 9.15% | 10.28% | 11.04% | 8.28% | 11.45% | 14.19% | +391 bps | |
| Net Interest Margin | 3.40% | 3.31% | 3.13% | 2.96% | 2.92% | 2.83% | 3.04% | 3.15% | +18 bps | |
| Efficiency Ratio | 51.00% | 52.77% | 52.73% | 51.53% | 49.59% | 53.95% | 45.65% | 47.69% | -384 bps | |
| Non-Interest Burden | 1.51% | 1.50% | 1.38% | 1.18% | 1.09% | 1.29% | 1.12% | 1.22% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.68% | 4.00% | 12.05% | 11.50% | 10.13% | 3.65% | -5.16% | -4.74% | -1,624 bps | |
| Loan Growth (YoY) | -17.18% | -18.81% | -16.12% | -8.87% | -6.45% | 1.64% | 2.25% | -3.46% | +541 bps | |
| Deposit Growth (YoY) | -1.83% | 1.20% | 12.38% | 10.64% | 9.42% | 8.23% | -2.80% | -2.34% | -1,299 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 | -0.11% | 0.21% | -0.12% | 0.00% | 0.06% | -0.05% | -0.04% | -0.02% | -2 bps | |
| Allowance / Loans | 1.43% | 1.46% | 1.55% | 1.49% | 1.48% | 1.46% | 1.52% | 1.56% | +7 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 | 16.95% | 17.93% | 17.95% | 17.84% | 17.94% | 18.11% | 14.76% | 15.42% | -242 bps | |
| Equity / Assets | 14.97% | 15.25% | 14.02% | 14.06% | 14.55% | 14.41% | 12.22% | 12.74% | -132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.50% | 46.13% | 39.33% | 41.29% | 41.47% | 43.32% | 41.38% | 40.82% | -47 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |