Birmingham, AL · Cert 19794
FDIC
Q1 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.71% | -2.53% | -19.54% | -0.56% | -0.86% | -1.38% | -7.49% | -2.94% | -238 bps | |
| Return on Equity | -9.55% | -34.11% | -371% | -18.94% | -29.69% | -52.42% | -534% | 2009% | +202,775 bps | |
| Net Interest Margin | 1.21% | 1.07% | 1.12% | 1.02% | 0.77% | 0.81% | 0.87% | 0.69% | -33 bps | |
| Efficiency Ratio | 106.84% | 124.68% | 173.29% | 139.15% | 150.74% | 194.94% | 253% | 367% | +22,768 bps | |
| Non-Interest Burden | 1.37% | 1.55% | 3.10% | 1.80% | 1.65% | 1.95% | 4.37% | 2.73% | +93 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.43% | -2.53% | -8.65% | -17.83% | -19.26% | -13.21% | -17.82% | -20.08% | -225 bps | |
| Loan Growth (YoY) | -13.21% | -14.21% | -22.02% | -27.04% | -30.48% | -31.88% | -31.92% | -29.20% | -216 bps | |
| Deposit Growth (YoY) | 31.05% | 21.03% | 14.28% | -15.00% | -16.65% | -16.08% | -17.73% | -19.78% | -478 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 | 1.73% | 5.53% | 23.85% | 1.68% | 0.46% | 6.52% | 14.95% | 0.96% | -72 bps | |
| Allowance / Loans | 2.91% | 3.48% | 4.22% | 4.15% | 4.95% | 3.94% | 3.09% | 3.11% | -104 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 | 11.12% | 10.14% | 5.75% | 5.94% | 5.88% | 5.45% | 2.47% | 0.19% | -575 bps | |
| Equity / Assets | 7.36% | 7.46% | 2.86% | 3.02% | 2.75% | 2.52% | 0.12% | -0.43% | -345 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.01% | 74.26% | 68.24% | 64.17% | 60.06% | 60.27% | 56.47% | 56.64% | -753 bps | |
| Liquid Assets / Assets | 12.49% | 11.37% | 13.04% | 15.79% | 17.00% | 13.06% | 13.53% | 12.27% | -352 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |