Dothan, AL · Cert 27207
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | -1.30% | -1.78% | -1.55% | -3.74% | -2.69% | -7.52% | -34.27% | -3,271 bps | |
| Return on Equity | 7.85% | -10.84% | -14.56% | -12.11% | -27.40% | -19.30% | -56.39% | -377% | -36,502 bps | |
| Net Interest Margin | 3.87% | 3.70% | 3.40% | 2.76% | 2.15% | 2.29% | 2.05% | 2.16% | -60 bps | |
| Efficiency Ratio | 57.39% | 99.27% | 87.35% | 111.16% | 219% | 141.12% | 182.08% | 372% | +26,042 bps | |
| Non-Interest Burden | 2.03% | 3.71% | 2.94% | 3.19% | 4.37% | 3.56% | 4.29% | 22.94% | +1,975 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.99% | -18.60% | -21.15% | -21.24% | -25.66% | -27.27% | -27.24% | -25.67% | -443 bps | |
| Loan Growth (YoY) | -11.29% | -19.21% | -22.58% | -31.99% | -37.41% | -38.52% | -32.08% | -23.92% | +807 bps | |
| Deposit Growth (YoY) | -13.01% | -21.41% | -23.47% | -22.81% | -27.48% | -28.05% | -29.53% | -18.63% | +418 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 | 0.10% | 0.67% | 7.99% | 8.06% | 4.54% | 5.71% | 18.23% | 5.71% | -235 bps | |
| Allowance / Loans | 3.16% | 3.84% | 3.76% | 3.11% | 3.80% | 3.80% | 3.28% | 3.47% | +36 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 | 14.03% | 13.59% | 14.68% | 15.71% | 16.38% | 16.22% | 12.52% | 7.69% | -802 bps | |
| Equity / Assets | 11.96% | 12.07% | 12.36% | 13.34% | 14.02% | 13.90% | 12.75% | 5.12% | -821 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.65% | 87.85% | 78.21% | 75.89% | 75.65% | 75.06% | 75.39% | 70.96% | -493 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |