Gadsen, AL · Charter 24494
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.68% | 0.30% | 2.31% | 0.14% | 0.88% | -8.43% | 5.54% | -11.40% | -1,154 bps | |
| Return on Equity | 18.06% | 3.53% | 25.22% | 1.51% | 8.43% | -388% | 156.49% | -633% | -63,463 bps | |
| Net Interest Margin | 4.67% | 4.73% | 7.07% | 1.76% | 5.88% | 5.71% | 7.00% | 6.85% | +509 bps | |
| Efficiency Ratio | 54.35% | 85.73% | 63.48% | 33.30% | 61.81% | 67.68% | 21.00% | 20.15% | -1,315 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.76% | 12.48% | 2.13% | -1.95% | -8.88% | -14.24% | -13.07% | -17.80% | -1,585 bps | |
| Loan Growth (YoY) | -6.99% | -6.10% | 3.80% | 3.77% | -1.55% | -10.05% | -20.71% | -35.36% | -3,913 bps | |
| Share Growth (YoY) | 8.96% | 12.06% | 1.91% | -1.64% | -9.84% | -8.80% | -7.50% | -9.76% | -812 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.54% | 14.42% | 18.84% | 9.99% | 11.69% | 33.32% | 32.20% | 27.95% | +1,796 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 | 4.37% | 4.34% | 4.13% | 3.56% | 3.66% | 16.44% | 9.95% | 15.83% | +1,228 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.31% | 8.54% | 9.17% | 9.45% | 10.44% | 2.17% | 3.54% | 1.80% | -765 bps | |
| Net Worth / Assets | 9.31% | 8.54% | 9.17% | 9.45% | 10.44% | 2.17% | 3.54% | 1.80% | -765 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.55% | 76.92% | 82.75% | 78.16% | 81.40% | 75.86% | 70.93% | 55.99% | -2,218 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |