Tuskegee, AL · Cert 15696
FDIC
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Tuskegee, AL · Cert 15696
FDIC
Q1 2008
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.36% | 1.41% | 1.32% | 1.41% | 1.43% | 1.41% | 0.72% | -61 bps | |
| Return on Equity | 18.55% | 18.14% | 18.63% | 16.93% | 17.85% | 17.93% | 17.27% | 7.98% | -895 bps | |
| Net Interest Margin | 4.13% | 4.17% | 4.15% | 4.04% | 4.27% | 4.39% | 4.39% | 1.84% | -221 bps | |
| Efficiency Ratio | 54.94% | 55.68% | 54.32% | 57.92% | 57.37% | 57.60% | 57.93% | 55.43% | -249 bps | |
| Non-Interest Burden | 1.97% | 2.03% | 1.94% | 2.04% | 2.13% | 2.20% | 2.18% | 0.82% | -123 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.26% | 0.27% | -2.54% | -1.79% | -3.97% | -2.82% | -7.70% | -5.37% | -358 bps | |
| Loan Growth (YoY) | 0.19% | 0.40% | -4.06% | -8.16% | -7.85% | -8.14% | -2.22% | 7.46% | +1,562 bps | |
| Deposit Growth (YoY) | 0.57% | -3.85% | -3.48% | -2.25% | -2.60% | 2.40% | -1.56% | -0.26% | +199 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 | -0.06% | 0.02% | 0.04% | 0.18% | -0.63% | -0.41% | -0.22% | 0.21% | +3 bps | |
| Allowance / Loans | 2.11% | 2.14% | 2.24% | 2.44% | 2.80% | 2.79% | 2.59% | 2.46% | +2 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 | 17.51% | 17.42% | 17.67% | 18.55% | 18.90% | 19.04% | 19.05% | 19.10% | +55 bps | |
| Equity / Assets | 7.50% | 7.64% | 7.86% | 7.78% | 8.13% | 8.23% | 8.83% | 9.11% | +133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.01% | 55.81% | 53.49% | 48.80% | 50.15% | 50.07% | 53.13% | 52.58% | +378 bps | |
| Liquid Assets / Assets | 27.64% | 28.11% | 28.83% | 28.74% | 30.45% | 30.60% | 27.79% | 1.03% | -2,772 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |