Bessemer, AL · Charter 16523
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.16% | 3.44% | 0.37% | -25.58% | -12.25% | -17.82% | -24.26% | -15.37% | +1,021 bps | |
| Return on Equity | 17.78% | 18.07% | 1.90% | -207% | -97.42% | -239% | n/a | n/a | n/a | |
| Net Interest Margin | 6.98% | 7.14% | 1.52% | 5.09% | 5.61% | 6.40% | 7.18% | 8.88% | +379 bps | |
| Efficiency Ratio | 57.36% | 58.69% | 76.50% | 102.12% | 112.90% | 114.08% | 117.76% | 270% | +16,768 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.25% | 1.64% | 2.07% | -1.98% | -6.74% | -12.31% | -17.21% | -22.18% | -2,019 bps | |
| Loan Growth (YoY) | 10.29% | -3.84% | -26.41% | -12.43% | -15.25% | -9.69% | 6.15% | -18.92% | -649 bps | |
| Share Growth (YoY) | 2.94% | 0.09% | 1.16% | 4.36% | -0.69% | 0.70% | 2.62% | -5.11% | -948 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.11% | 11.40% | 25.72% | 10.90% | 11.47% | 11.19% | 7.87% | 20.93% | +1,004 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 | 2.77% | 2.84% | 3.66% | 3.94% | 4.38% | 11.11% | 15.63% | 17.42% | +1,348 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.78% | 19.01% | 19.56% | 12.39% | 12.57% | 7.46% | -1.67% | -5.63% | -1,801 bps | |
| Net Worth / Assets | 17.78% | 19.01% | 19.56% | 12.39% | 12.57% | 7.46% | -1.67% | -5.63% | -1,801 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.01% | 100.95% | 80.81% | 91.66% | 86.20% | 90.54% | 83.59% | 78.32% | -1,334 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |