Gulf Shores, AL · Cert 27142
FDIC
Q4 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.15% | 1.18% | 1.19% | 1.07% | 1.09% | 1.12% | 1.12% | -7 bps | |
| Return on Equity | 16.03% | 16.28% | 16.89% | 17.19% | 16.38% | 16.74% | 16.34% | 16.36% | -83 bps | |
| Net Interest Margin | 3.53% | 3.44% | 3.25% | 3.23% | 3.42% | 3.25% | 3.27% | 3.09% | -14 bps | |
| Efficiency Ratio | 60.13% | 61.42% | 62.29% | 62.42% | 62.03% | 60.81% | 59.72% | 58.83% | -358 bps | |
| Non-Interest Burden | 1.36% | 1.29% | 1.24% | 1.31% | 1.60% | 1.45% | 1.43% | 1.35% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.48% | 14.64% | 15.52% | 23.25% | 27.23% | 22.82% | 18.13% | 32.43% | +917 bps | |
| Loan Growth (YoY) | 17.81% | 15.96% | 10.44% | 21.37% | 26.26% | 20.45% | 24.37% | 19.58% | -180 bps | |
| Deposit Growth (YoY) | 14.66% | 18.04% | 18.13% | 21.19% | 27.41% | 23.28% | 20.01% | 46.70% | +2,551 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 | 0.45% | 0.25% | 0.17% | 0.11% | 0.04% | 0.04% | 0.04% | 0.03% | -8 bps | |
| Allowance / Loans | 1.28% | 1.32% | 1.40% | 1.29% | 1.21% | 1.26% | 1.31% | 1.29% | +1 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 | 11.01% | 10.87% | 10.77% | 10.51% | 10.28% | 10.83% | 12.21% | 11.65% | +114 bps | |
| Equity / Assets | 7.22% | 6.78% | 6.76% | 6.63% | 6.50% | 6.40% | 7.83% | 6.83% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.24% | 91.49% | 89.85% | 98.30% | 95.37% | 89.40% | 93.11% | 80.13% | -1,818 bps | |
| Liquid Assets / Assets | 1.64% | 1.34% | 1.11% | 0.95% | 0.79% | 0.65% | 0.61% | 0.54% | -41 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |