Birmingham, AL · Charter 9864
Q1 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 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.13% | 1.12% | 1.82% | 1.58% | 1.49% | 1.61% | 1.31% | -51 bps | |
| Return on Equity | 12.22% | 10.88% | 11.15% | 18.04% | 15.46% | 14.91% | 15.64% | 12.88% | -516 bps | |
| Net Interest Margin | 1.68% | 1.55% | 1.52% | 1.99% | 2.01% | 1.93% | 1.96% | 1.83% | -15 bps | |
| Efficiency Ratio | 14.58% | 14.44% | 13.87% | 9.99% | 9.90% | 9.17% | 9.10% | 10.86% | +87 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.02% | 14.30% | 17.74% | 16.94% | 18.61% | 20.21% | 15.46% | 15.80% | -114 bps | |
| Loan Growth (YoY) | 10.60% | 7.03% | -0.13% | -3.16% | -2.74% | -3.00% | -4.04% | -6.13% | -297 bps | |
| Share Growth (YoY) | 9.09% | 13.83% | 18.70% | 18.10% | 19.66% | 21.15% | 15.35% | 15.59% | -251 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.65% | 0.57% | 0.40% | 0.74% | 0.95% | 0.67% | 0.59% | +19 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 | 0.64% | 0.82% | 0.79% | 0.67% | 0.92% | 1.22% | 0.92% | 0.92% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.57% | 10.34% | 10.00% | 10.09% | 10.21% | 10.01% | 10.27% | 10.19% | +10 bps | |
| Net Worth / Assets | 10.57% | 10.34% | 10.00% | 10.09% | 10.21% | 10.01% | 10.27% | 10.19% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.94% | 46.32% | 42.57% | 39.92% | 39.78% | 37.09% | 35.42% | 32.42% | -750 bps | |
| Liquid Assets / Assets | 13.33% | 11.16% | 19.99% | 19.76% | 18.45% | 21.17% | 26.99% | 28.18% | +842 bps | |