Aliceville, AL · Cert 19468
FDIC · 5 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 2019, 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.
Aliceville, AL · Cert 19468
FDIC · 5 branches
Q1 2019
Market Position · Tuscaloosa, AL · 2018 SOD (annual) · 5.9% share · #7 of 24 inst. · $0.2B of $4.1B
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.71% | 0.70% | 0.66% | 0.83% | 0.81% | 0.82% | -1.66% | -232 bps | |
| Return on Equity | 6.25% | 6.88% | 6.80% | 6.31% | 7.85% | 7.70% | 7.73% | -15.89% | -2,220 bps | |
| Net Interest Margin | 3.15% | 3.28% | 3.32% | 3.30% | 3.42% | 3.48% | 3.47% | 3.44% | +14 bps | |
| Efficiency Ratio | 75.71% | 75.10% | 76.37% | 79.64% | 77.25% | 77.55% | 77.62% | 144.36% | +6,471 bps | |
| Non-Interest Burden | 2.25% | 2.31% | 2.40% | 2.53% | 2.49% | 2.56% | 2.55% | 5.19% | +267 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.68% | -2.65% | -2.00% | -1.51% | -1.27% | 3.27% | 4.56% | 6.47% | +798 bps | |
| Loan Growth (YoY) | 6.12% | 1.24% | 2.59% | 5.83% | 5.25% | 8.48% | 6.01% | -1.04% | -687 bps | |
| Deposit Growth (YoY) | 11.61% | -3.44% | -2.99% | -2.04% | -1.56% | 1.46% | 2.41% | 6.32% | +835 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.38% | 0.24% | 0.16% | 0.14% | 0.10% | 0.09% | 0.11% | -5 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.03% | 0.07% | -0.05% | -0.07% | -0.09% | -0.07% | 0.09% | +14 bps | |
| Allowance / Loans | 1.32% | 1.34% | 1.26% | 1.26% | 1.25% | 1.25% | 1.26% | 1.31% | +5 bps | |
| Allowance Coverage of NPLs | 3.4x | 3.6x | 5.1x | 7.9x | 8.7x | 12.2x | 13.2x | 12.0x | +4.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.56% | 11.00% | 11.23% | 10.95% | 11.34% | 11.58% | 11.54% | 10.52% | -43 bps | |
| Total Risk-Based Capital | 15.24% | 15.71% | 15.53% | 15.33% | 15.27% | 15.31% | 15.68% | 15.86% | +52 bps | |
| Equity / Assets | 10.51% | 11.03% | 10.53% | 10.47% | 10.69% | 10.64% | 10.53% | 10.37% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.86% | 74.40% | 72.71% | 74.56% | 76.82% | 79.55% | 75.27% | 69.40% | -516 bps | |
| Liquid Assets / Assets | 4.84% | 3.95% | 6.05% | 3.87% | 1.34% | 2.05% | 6.08% | 10.90% | +702 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |