Alamo, TN · Cert 9961
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Alamo, TN · Cert 9961
FDIC
Q3 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.84% | 1.75% | 0.54%1 | 1.27% | 0.34%1 | -4.19% | -3.67% | -13.29% | -1,456 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -56.38% | -49.95% | -238% | n/a | |
| Net Interest Margin | n/a | 3.62% | 4.00% | 3.98% | 3.21% | 3.46% | 3.47% | 3.51% | -47 bps | |
| Efficiency Ratio | n/a | 53.99% | 51.01% | 49.16% | 63.92% | 66.62% | 76.39% | 94.96% | +4,580 bps | |
| Non-Interest Burden | n/a | 1.82% | 1.86% | 1.56% | 1.89% | 2.16% | 2.59% | 3.32% | +176 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.13% | 8.89% | 5.05% | 6.50% | -3.60% | -9.07% | -15.53% | -30.09% | -3,659 bps | |
| Loan Growth (YoY) | -4.57% | 6.62% | 6.05% | 10.14% | 7.77% | -6.70% | -13.22% | -26.60% | -3,674 bps | |
| Deposit Growth (YoY) | 0.49% | 5.22% | 7.29% | 6.90% | -0.72% | -7.38% | -14.32% | -23.60% | -3,051 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 | n/a | 0.34% | 2.03% | 1.66% | 1.35% | 0.43% | 1.32% | 8.98% | +731 bps | |
| Allowance / Loans | n/a | 1.13% | 1.60% | 1.35% | 1.69% | 3.58% | 4.25% | 10.78% | +943 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 | n/a | 11.12% | 10.71% | 11.05% | 10.64% | 10.15% | 9.59% | -1.83% | -1,288 bps | |
| Equity / Assets | n/a | 8.39% | 7.97% | 8.21% | 7.68% | 7.15% | 7.17% | -1.15% | -936 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.07% | 90.49% | 94.27% | 92.33% | 92.34% | 91.15% | 95.48% | 88.71% | -362 bps | |
| Liquid Assets / Assets | 0.00% | 0.22% | 0.22% | 0.22% | 0.68% | 0.70% | 0.26% | 0.50% | +29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |