Muscle Shoals, AL · Charter 1494
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.08% | 0.94% | 0.88% | 0.98% | 1.00% | 1.03% | 1.16% | +28 bps | |
| Return on Equity | 9.03% | 8.53% | 7.59% | 7.01% | 7.70% | 7.77% | 7.97% | 8.64% | +163 bps | |
| Net Interest Margin | 3.00% | 2.92% | 2.69% | 2.79% | 2.80% | 2.79% | 2.85% | 2.91% | +12 bps | |
| Efficiency Ratio | 61.86% | 62.46% | 64.70% | 64.33% | 64.22% | 64.85% | 64.66% | 63.35% | -98 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.34% | 20.61% | 23.53% | 4.66% | 6.58% | 6.03% | 3.28% | 1.90% | -276 bps | |
| Loan Growth (YoY) | 21.87% | 22.17% | 32.83% | 26.55% | 27.57% | 27.22% | 17.04% | 7.64% | -1,890 bps | |
| Share Growth (YoY) | 19.09% | 19.01% | 22.50% | 4.16% | 5.93% | 5.71% | 2.45% | 0.95% | -321 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.66% | 0.64% | 0.66% | 0.48% | 1.53% | 1.73% | 1.83% | +117 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 | 0.35% | 0.40% | 0.36% | 0.52% | 0.51% | 0.45% | 0.44% | 0.40% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.55% | 12.60% | 12.37% | 12.52% | 12.76% | 12.88% | 12.98% | 13.42% | +90 bps | |
| Net Worth / Assets | 12.55% | 12.60% | 12.37% | 12.52% | 12.76% | 12.88% | 12.98% | 13.42% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.03% | 46.89% | 49.18% | 55.04% | 56.64% | 56.43% | 56.18% | 58.69% | +365 bps | |
| Liquid Assets / Assets | 20.95% | 18.73% | 14.11% | 12.30% | 12.01% | 14.63% | 13.24% | 0.00% | -1,230 bps | |