Huntsville, AL · Cert 25645
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 | 1.33% | 1.15% | 0.86% | 1.04% | 0.93% | 0.74% | 0.78% | 0.36% | -68 bps | |
| Return on Equity | 14.53% | 12.59% | 9.26% | 11.16% | 10.13% | 8.33% | 9.29% | 4.52% | -664 bps | |
| Net Interest Margin | 3.57% | 3.56% | 3.43% | 3.69% | 3.64% | 3.67% | 3.56% | 3.24% | -46 bps | |
| Efficiency Ratio | 40.13% | 42.75% | 43.96% | 42.39% | 48.04% | 46.40% | 47.28% | 51.99% | +960 bps | |
| Non-Interest Burden | 1.03% | 1.20% | 1.15% | 1.25% | 1.45% | 1.42% | 1.40% | 1.47% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.03% | 10.70% | 3.03% | 1.35% | 3.40% | 8.37% | 11.85% | 11.42% | +1,007 bps | |
| Loan Growth (YoY) | 18.10% | 7.14% | 2.47% | 0.27% | 0.09% | 1.40% | -0.82% | -3.60% | -387 bps | |
| Deposit Growth (YoY) | 13.19% | 13.73% | 9.09% | 11.96% | 12.11% | 13.07% | 18.08% | 18.37% | +642 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 | 0.16% | 0.07% | 0.18% | 0.32% | -0.02% | 1.02% | 0.09% | 1.60% | +128 bps | |
| Allowance / Loans | 1.44% | 1.61% | 1.84% | 1.97% | 2.25% | 2.44% | 2.68% | 2.73% | +76 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 | 10.74% | 10.67% | 10.78% | 10.77% | 10.91% | 11.00% | 10.95% | 10.47% | -30 bps | |
| Equity / Assets | 9.20% | 9.09% | 9.43% | 9.24% | 9.17% | 8.60% | 8.21% | 7.91% | -134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.99% | 97.74% | 101.51% | 100.66% | 94.62% | 87.66% | 85.26% | 81.97% | -1,869 bps | |
| Liquid Assets / Assets | 0.00% | 0.01% | 0.00% | 0.00% | 0.82% | 2.32% | 10.99% | 10.78% | +1,078 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |