Birmingham, AL · Charter 18417
Q1 2010
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.28% | 1.35% | 0.45% | -5.69% | -5.62% | -4.87% | -4.61% | -2.83% | +286 bps | |
| Return on Equity | 22.25% | 12.94% | 4.20% | -66.66% | -76.39% | -72.32% | -69.73% | -42.97% | +2,369 bps | |
| Net Interest Margin | 5.02% | 5.06% | 4.39% | 4.16% | 4.15% | 4.23% | 4.61% | 4.21% | +5 bps | |
| Efficiency Ratio | 62.34% | 63.88% | 75.44% | 96.46% | 90.53% | 81.56% | 65.41% | 67.38% | -2,908 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.86% | 6.71% | 1.24% | 1.51% | -2.74% | -3.58% | -8.42% | -19.58% | -2,109 bps | |
| Loan Growth (YoY) | 8.41% | 1.08% | 1.06% | -7.05% | -12.81% | -16.90% | -23.11% | -24.92% | -1,787 bps | |
| Share Growth (YoY) | 12.17% | 9.83% | 1.57% | 3.61% | 1.48% | 0.42% | -3.69% | -17.80% | -2,141 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.42% | 4.25% | 7.05% | 6.61% | 6.00% | 4.63% | 5.32% | -173 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 | 0.70% | 0.70% | 1.00% | 1.99% | 4.23% | 4.59% | 5.31% | 5.59% | +360 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.26% | 10.40% | 10.73% | 8.54% | 7.36% | 6.74% | 6.61% | 6.59% | -195 bps | |
| Net Worth / Assets | 10.26% | 10.40% | 10.73% | 8.54% | 7.36% | 6.74% | 6.61% | 6.59% | -195 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.12% | 97.11% | 101.22% | 90.71% | 84.30% | 80.36% | 80.81% | 82.86% | -785 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |