Birmingham, AL · Charter 11118
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Birmingham, AL · Charter 11118
Q3 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -14.60% | -9.85% | -8.50% | -1.68% | -4.62% | -0.20% | -15.93% | -13.58% | -1,190 bps | |
| Return on Equity | -49.28% | -36.58% | -33.63% | -5.01% | -19.64% | -4.34% | -160.93% | -184.36% | -17,935 bps | |
| Net Interest Margin | 6.02% | 5.41% | 5.16% | 2.51% | 3.16% | 0.78% | 0.54% | 1.06% | -146 bps | |
| Efficiency Ratio | 155.55% | 152.61% | 148.66% | 156.40% | 167.94% | 78.32% | 249% | 244% | +8,758 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -32.61% | -22.41% | -6.73% | 10.23% | 43.47% | 509% | 63.74% | 57.56% | +4,733 bps | |
| Loan Growth (YoY) | -8.21% | 16.26% | 29.28% | 16.61% | 15.86% | 55.44% | 48.95% | 38.24% | +2,162 bps | |
| Share Growth (YoY) | -30.29% | -16.15% | 7.87% | 2.31% | 55.97% | 708% | 101.17% | 123.47% | +12,117 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 13.52% | 6.71% | 19.72% | 21.29% | 13.06% | 9.95% | 26.91% | 27.60% | +632 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 | 27.57% | 23.39% | 22.31% | 10.48% | 6.70% | 5.21% | 12.09% | 14.54% | +406 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.63% | 26.92% | 25.27% | 33.50% | 23.51% | 4.72% | 9.90% | 7.36% | -2,614 bps | |
| Net Worth / Assets | 29.63% | 26.92% | 25.27% | 33.50% | 23.51% | 4.72% | 9.90% | 7.36% | -2,614 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.05% | 102.14% | 97.54% | 102.25% | 78.04% | 19.66% | 72.22% | 63.25% | -3,900 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 96.96% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |