PackageTrendsPeer
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Amsouth Bank

Birmingham, AL · Cert 26800

FDIC

Q3 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2006, the quarter ended September 30, 2006, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Amsouth Bank

Birmingham, AL · Cert 26800

FDIC

Q3 2006

$54.2BAssets
$38.5BLoans
$36.2BDeposits
$4.1BEquity
Loan mix
84%RE $26.5B16%C&I $4.9B0%Consumer $0.0BQ3 2005Q3 2006
Deposit mix
79%Interest-bearing $28.5B21%Noninterest $7.6BQ3 2005Q3 2006

NIM

4.36%Q3 ’044.77%Q3 ’055.48%Q3 ’060%-2%

Non-interest income vs. expense

2.71%Q3 ’042.54%Q3 ’052.46%Q3 ’06-27%+5%

Executive Summary

  • Earnings: ROA of 1.40%, down 6 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.26%.
  • Funding: loans stand at 106.51% of deposits as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

1.40%-6 bps YoY

Net Interest Margin (YTD, annualized)

2.96%-6 bps YoY

Efficiency Ratio (YTD, annualized)

52.50%+15 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets1.46%1.45%1.38%1.39%1.40%-6 bps
Return on Equity19.26%19.18%18.68%19.19%19.13%-13 bps
Net Interest Margin3.02%2.99%3.05%3.04%2.96%-6 bps
Efficiency Ratio52.36%52.21%52.96%52.77%52.50%+15 bps
Non-Interest Burden0.71%0.72%0.85%0.81%0.75%+3 bps
Growth
Asset Growth (YoY)2.46%5.75%5.33%6.78%6.26%+381 bps
Loan Growth (YoY)6.28%10.33%11.56%11.70%10.65%+438 bps
Deposit Growth (YoY)10.75%6.79%5.78%5.97%4.68%-607 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.21%0.26%0.45%0.31%0.26%+5 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.97%11.45%10.97%10.75%11.02%-95 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits100.76%103.74%102.44%105.76%106.51%+575 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a