Enterprise, AL · Cert 19649
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
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 | 1.24% | 1.21% | 0.70% | 0.93% | 0.09% | 0.10%1 | -1.73% | 0.32% | -61 bps | |
| Return on Equity | 15.56% | 15.20% | 8.82% | 11.76% | 1.09% | 1.28% | -23.73% | 3.81% | -794 bps | |
| Net Interest Margin | 3.83% | 3.68% | 3.21% | 3.07% | 3.39% | 3.61% | 3.72% | 3.56% | +49 bps | |
| Efficiency Ratio | 47.77% | 51.85% | 53.12% | 54.24% | 58.65% | 52.93% | 51.96% | 57.40% | +316 bps | |
| Non-Interest Burden | 1.42% | 1.56% | 1.33% | 1.36% | 1.71% | 1.57% | 1.59% | 1.79% | +44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 43.22% | 55.35% | 27.39% | 19.84% | 6.59% | 10.42% | 3.26% | 0.01% | -1,984 bps | |
| Loan Growth (YoY) | 59.79% | 60.51% | 26.36% | 20.32% | 2.75% | 1.35% | -9.02% | -15.92% | -3,624 bps | |
| Deposit Growth (YoY) | -0.40% | 48.63% | 53.17% | 34.63% | 49.54% | 27.16% | 4.47% | 10.90% | -2,373 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 | -0.01% | 0.09% | 0.15% | 0.00% | 0.19% | 0.27% | 7.08% | 0.98% | +99 bps | |
| Allowance / Loans | 1.15% | 1.18% | 1.37% | 1.42% | 1.88% | 2.55% | 2.74% | 3.10% | +168 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 | 10.30% | 10.60% | 10.42% | 10.42% | 10.60% | 10.52% | 11.10% | 14.53% | +411 bps | |
| Equity / Assets | 7.86% | 8.04% | 7.86% | 7.91% | 7.81% | 7.28% | 7.28% | 9.30% | +139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 138.52% | 112.48% | 96.17% | 108.84% | 95.18% | 89.65% | 83.75% | 82.52% | -2,633 bps | |
| Liquid Assets / Assets | 0.08% | 0.03% | 0.03% | 0.04% | 0.94% | 1.66% | 0.02% | 0.02% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |