Decatur, AL · Cert 23577
FDIC
Q1 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.23% | 1.19% | 1.13% | 1.38% | 1.41% | 1.25% | 0.53% | -60 bps | |
| Return on Equity | 14.55% | 14.76% | 14.51% | 14.04% | 17.68% | 18.44% | 16.38% | 6.92% | -712 bps | |
| Net Interest Margin | 3.35% | 3.26% | 3.17% | 3.13% | 3.17% | 3.36% | 3.12% | 1.22% | -190 bps | |
| Efficiency Ratio | 63.87% | 63.22% | 65.18% | 66.04% | 62.95% | 61.80% | 59.09% | 59.77% | -627 bps | |
| Non-Interest Burden | 1.48% | 1.33% | 1.37% | 1.44% | 1.24% | 1.30% | 1.03% | 0.44% | -100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.08% | 8.67% | 7.85% | 5.50% | 9.78% | 11.65% | 14.40% | 19.72% | +1,422 bps | |
| Loan Growth (YoY) | 9.80% | 6.13% | 6.76% | 6.56% | 10.88% | 15.74% | 18.16% | 18.96% | +1,239 bps | |
| Deposit Growth (YoY) | 7.89% | 3.87% | 7.55% | 7.76% | 13.23% | 16.00% | 14.50% | 8.53% | +77 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 | 0.04% | 0.08% | -0.01% | 0.02% | 0.04% | 0.04% | 0.08% | 0.36% | +33 bps | |
| Allowance / Loans | 1.21% | 1.19% | 1.18% | 1.17% | 1.14% | 1.10% | 1.10% | 1.03% | -14 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 | 11.82% | 11.78% | 11.21% | 11.01% | 10.54% | 10.30% | 10.12% | 10.12% | -89 bps | |
| Equity / Assets | 8.36% | 8.34% | 8.06% | 8.09% | 7.59% | 7.66% | 7.58% | 7.78% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.80% | 109.65% | 104.88% | 104.56% | 104.58% | 109.40% | 108.23% | 114.61% | +1,005 bps | |
| Liquid Assets / Assets | 13.19% | 13.19% | 13.31% | 13.09% | 12.99% | 13.05% | 13.43% | 0.03% | -1,306 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |