Mobile, AL · Cert 26607
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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 · Cert 26607
FDIC
Q4 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.24% | 0.18%1 | -1.99% | 0.22%1 | -0.97% | -1.23% | -0.83% | +116 bps | |
| Return on Equity | 2.66% | 2.32% | 1.72% | -19.88% | 2.55% | -11.14% | -14.36% | -9.71% | +1,017 bps | |
| Net Interest Margin | 2.90% | 2.96% | 3.04% | 3.06% | 3.09% | 3.05% | 3.01% | 3.01% | -5 bps | |
| Efficiency Ratio | 74.40% | 72.17% | 71.65% | 118.24% | 81.21% | 87.23% | 90.83% | 87.08% | -3,116 bps | |
| Non-Interest Burden | 2.02% | 1.99% | 2.05% | 3.54% | 2.40% | 2.60% | 2.73% | 2.59% | -95 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.72% | 4.93% | -1.72% | -5.34% | -7.54% | -7.43% | -7.22% | -5.42% | -8 bps | |
| Loan Growth (YoY) | -6.41% | -6.93% | -6.34% | -7.68% | -7.36% | -7.90% | -9.40% | -9.78% | -210 bps | |
| Deposit Growth (YoY) | 8.96% | 6.70% | -0.91% | -2.90% | -5.34% | -4.40% | -3.42% | -3.59% | -69 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 | 1.69% | 2.44% | 1.97% | 2.97% | 0.85% | 1.13% | 1.30% | 0.95% | -202 bps | |
| Allowance / Loans | 3.37% | 3.04% | 3.30% | 3.30% | 3.43% | 4.31% | 4.85% | 5.30% | +200 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 | 15.52% | 15.91% | 16.01% | 13.25% | 13.53% | 13.06% | 12.85% | 13.29% | +3 bps | |
| Equity / Assets | 10.03% | 10.39% | 10.60% | 8.81% | 8.85% | 8.47% | 8.12% | 8.29% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.67% | 70.29% | 70.92% | 70.45% | 70.14% | 67.72% | 66.52% | 65.93% | -452 bps | |
| Liquid Assets / Assets | 4.36% | 2.91% | 4.26% | 2.98% | 5.09% | 4.23% | 6.22% | 4.41% | +143 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |