Mobile, AL · Charter 21343
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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.
Mobile, AL · Charter 21343
Q4 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.75% | 2.41% | 2.53% | 2.48% | 1.49% | -3.56% | -7.27% | -10.79% | -1,327 bps | |
| Return on Equity | 8.03% | 6.82% | 6.99% | 6.32% | 3.93% | -9.95% | -22.23% | -32.65% | -3,897 bps | |
| Net Interest Margin | 8.28% | 8.22% | 8.14% | 8.38% | 6.95% | 7.21% | 7.15% | 7.98% | -41 bps | |
| Efficiency Ratio | 63.84% | 65.13% | 64.99% | 67.78% | 79.81% | 75.02% | 79.67% | 136.14% | +6,835 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.48% | -1.12% | -0.03% | -4.18% | -4.29% | -3.08% | -4.11% | -10.70% | -652 bps | |
| Loan Growth (YoY) | 11.18% | 13.40% | 0.90% | -2.76% | -16.54% | -22.37% | -8.15% | -13.23% | -1,047 bps | |
| Share Growth (YoY) | -7.98% | -3.69% | -2.93% | -10.32% | -9.47% | -3.65% | 1.24% | -1.10% | +922 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.92% | 0.78% | 2.46% | 2.75% | 10.64% | 2.76% | 1.41% | 3.22% | +47 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 | 1.32% | 1.60% | 1.77% | 1.40% | 1.60% | 0.79% | 4.66% | 5.20% | +379 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 34.30% | 35.34% | 36.20% | 39.30% | 37.86% | 35.82% | 32.73% | 33.05% | -625 bps | |
| Net Worth / Assets | 34.30% | 35.34% | 36.20% | 39.30% | 37.86% | 35.82% | 32.73% | 33.05% | -625 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 133.04% | 136.92% | 131.27% | 144.06% | 122.66% | 110.32% | 119.09% | 126.40% | -1,766 bps | |
| Liquid Assets / Assets | 12.19% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |