Dadeville, AL · Cert 15291
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.10% | 2.11% | 2.24% | 2.17% | 1.98% | 1.87% | 1.85% | 2.04% | -14 bps | |
| Return on Equity | 28.24% | 28.58% | 31.36% | 31.23% | 28.11% | 26.40% | 25.92% | 27.84% | -339 bps | |
| Net Interest Margin | 4.12% | 4.11% | 4.07% | 4.06% | 3.71% | 3.41% | 3.40% | 3.65% | -40 bps | |
| Efficiency Ratio | 42.70% | 43.03% | 40.74% | 41.80% | 44.17% | 44.54% | 46.39% | 44.02% | +223 bps | |
| Non-Interest Burden | 1.22% | 1.20% | 1.04% | 1.11% | 1.08% | 0.94% | 1.02% | 0.93% | -17 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% | 0.01% | 0.37% | -0.06% | -0.01% | -1 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 |