Birmingham, AL · Charter 12137
Q2 2013
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.40% | -9.74% | 0.29% | -10.83% | -0.48% | -3.02% | -7.65% | -10.67% | +16 bps | |
| Return on Equity | -41.67% | -66.40% | 1.97% | -110.79% | -5.17% | -41.62% | -124.72% | -370% | -25,909 bps | |
| Net Interest Margin | 4.73% | 4.76% | 6.05% | 2.33% | 1.12% | 1.99% | 6.92% | 5.73% | +340 bps | |
| Efficiency Ratio | 254% | 300% | 95.15% | 565% | 143.40% | 252% | 203% | 278% | -28,662 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.86% | -11.50% | -6.45% | -7.76% | -6.72% | -7.67% | -7.39% | -7.61% | +15 bps | |
| Loan Growth (YoY) | 24.83% | 22.41% | -17.30% | -18.75% | -9.60% | -3.75% | -0.73% | -2.23% | +1,652 bps | |
| Share Growth (YoY) | -1.01% | -0.79% | -0.12% | 1.02% | 1.59% | -0.88% | 2.15% | 0.65% | -37 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.21% | 12.06% | 9.97% | 5.93% | 23.95% | 22.27% | 20.23% | 19.65% | +1,372 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 | 4.00% | 4.33% | 4.78% | 12.15% | 11.22% | 10.65% | 12.74% | 11.37% | -78 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.76% | 14.66% | 14.89% | 9.77% | 9.36% | 7.26% | 6.13% | 2.88% | -689 bps | |
| Net Worth / Assets | 17.76% | 14.66% | 14.89% | 9.77% | 9.36% | 7.26% | 6.13% | 2.88% | -689 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.04% | 44.91% | 41.31% | 36.73% | 40.08% | 43.61% | 40.15% | 35.68% | -105 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |