Montgomery, AL · Charter 10391
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Montgomery, AL · Charter 10391
Q3 2007
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 1.24% | 1.66% | 1.54% | 1.45% | 1.29% | 1.37% | 1.44% | -10 bps | |
| Return on Equity | 6.21% | 9.36% | 12.09% | 10.87% | 10.07% | 9.05% | 9.37% | 9.49% | -139 bps | |
| Net Interest Margin | 3.45% | 3.59% | 3.64% | 3.67% | 3.66% | 3.63% | 3.70% | 3.79% | +11 bps | |
| Efficiency Ratio | 70.35% | 67.34% | 67.43% | 67.50% | 68.60% | 71.58% | 70.51% | 70.27% | +278 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.02% | 5.84% | 4.94% | 2.55% | 2.92% | 2.86% | 3.18% | 2.67% | +12 bps | |
| Loan Growth (YoY) | 17.90% | 13.41% | 6.97% | 2.39% | 2.15% | 3.35% | 4.96% | 7.38% | +499 bps | |
| Share Growth (YoY) | 3.67% | 5.35% | 4.10% | 1.46% | 1.38% | 1.51% | 2.15% | 1.36% | -10 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 0.60% | 0.56% | 0.60% | 0.67% | 0.61% | 0.70% | 0.64% | +4 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 | 1.11% | 1.14% | 0.88% | 0.99% | 0.99% | 1.00% | 1.01% | 1.00% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.37% | 13.22% | 13.77% | 14.18% | 14.44% | 14.29% | 14.62% | 15.19% | +100 bps | |
| Net Worth / Assets | 13.37% | 13.22% | 13.77% | 14.18% | 14.44% | 14.29% | 14.62% | 15.19% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.95% | 68.85% | 70.30% | 71.77% | 72.50% | 70.10% | 72.23% | 76.03% | +426 bps | |
| Liquid Assets / Assets | 15.76% | 20.94% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |