Dadeville, AL · Cert 15291
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 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.
Dadeville, AL · Cert 15291
FDIC
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.12% | 2.11% | 2.24% | 2.22% | 2.14% | 2.07% | 1.85% | 1.94% | -27 bps | |
| Return on Equity | 29.14% | 29.01% | 31.36% | 31.36% | 30.16% | 29.22% | 25.92% | 26.94% | -441 bps | |
| Net Interest Margin | 4.15% | 4.15% | 4.07% | 4.03% | 3.94% | 3.74% | 3.40% | 3.61% | -42 bps | |
| Efficiency Ratio | 42.05% | 42.29% | 40.74% | 41.27% | 42.19% | 42.74% | 46.39% | 45.18% | +391 bps | |
| Non-Interest Burden | 1.17% | 1.18% | 1.04% | 1.06% | 1.07% | 1.02% | 1.02% | 1.00% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.53% | -0.50% | -1.41% | 1.62% | 5.88% | 7.10% | -0.98% | -3.02% | -464 bps | |
| Loan Growth (YoY) | -7.77% | -10.15% | -5.96% | -3.58% | 0.55% | 6.86% | 1.69% | -0.40% | +318 bps | |
| Deposit Growth (YoY) | -1.05% | 1.09% | -2.39% | -0.34% | 0.81% | 0.22% | -0.46% | 4.50% | +484 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 | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.09% | -0.06% | -0.03% | -3 bps | |
| Allowance / Loans | 1.63% | 1.66% | 1.63% | 1.62% | 1.62% | 1.48% | 1.54% | 1.57% | -5 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 | 15.60% | 15.67% | 15.49% | 15.62% | 15.67% | 15.04% | 15.50% | 15.73% | +11 bps | |
| Equity / Assets | 7.45% | 7.29% | 6.99% | 6.93% | 7.13% | 7.02% | 7.28% | 7.36% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.14% | 59.38% | 57.70% | 59.49% | 60.97% | 63.31% | 58.95% | 56.70% | -279 bps | |
| Liquid Assets / Assets | 11.24% | 15.84% | 20.58% | 20.51% | 21.43% | 21.38% | 18.16% | 19.15% | -136 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |