Mobile, AL · Charter 18335
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.81% | -4.08% | -12.32% | 1.82% | 0.29% | -25.23% | -21.57% | -925 bps | |
| Return on Equity | 6.22% | 6.70% | -45.69% | -737% | 78.55% | 14.02% | n/a | n/a | n/a | |
| Net Interest Margin | 5.39% | 5.90% | 6.01% | 7.65% | 6.83% | 5.76% | 5.45% | 5.05% | -260 bps | |
| Efficiency Ratio | 80.69% | 81.24% | 82.00% | 77.42% | 81.26% | 94.35% | 99.65% | 108.56% | +3,114 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.85% | 2.05% | 0.29% | -14.07% | -21.97% | -26.47% | -26.13% | -21.48% | -741 bps | |
| Loan Growth (YoY) | 8.44% | 4.44% | 1.97% | -8.32% | -15.99% | -20.87% | -37.13% | -39.98% | -3,166 bps | |
| Share Growth (YoY) | 0.94% | 0.45% | 4.64% | -0.88% | -9.71% | -16.38% | -22.72% | -29.90% | -2,903 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.57% | 7.43% | 6.09% | 11.95% | 27.57% | 35.88% | 25.44% | 36.95% | +2,501 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 | 2.95% | 1.88% | 3.59% | 6.50% | 8.47% | 7.73% | 11.18% | 8.28% | +178 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.34% | 12.04% | 8.93% | 1.67% | 2.31% | 2.03% | -16.98% | -19.44% | -2,112 bps | |
| Net Worth / Assets | 12.34% | 12.04% | 8.93% | 1.67% | 2.31% | 2.03% | -16.98% | -19.44% | -2,112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.45% | 100.23% | 101.22% | 92.15% | 96.26% | 94.84% | 82.35% | 78.89% | -1,325 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |