Tuscaloosa, AL · Cert 27209
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Tuscaloosa, AL · Cert 27209
FDIC
Q1 2010
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.89% | 0.79% | 0.71% | -0.13% | -0.11% | -0.04% | 0.14% | -57 bps | |
| Return on Equity | 6.63% | 10.19% | 9.06% | 8.55% | -1.55% | -1.33% | -0.56% | 1.64% | -691 bps | |
| Net Interest Margin | 3.54% | 3.51% | 3.43% | 3.32% | 3.40% | 3.40% | 3.50% | 3.56% | +24 bps | |
| Efficiency Ratio | 46.13% | 46.80% | 46.93% | 49.10% | 53.67% | 53.45% | 54.07% | 60.20% | +1,110 bps | |
| Non-Interest Burden | 1.28% | 1.29% | 1.25% | 1.28% | 1.54% | 1.53% | 1.62% | 1.92% | +64 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.55% | 8.29% | 7.23% | 7.56% | 10.92% | 4.94% | -0.55% | 1.74% | -582 bps | |
| Loan Growth (YoY) | 8.74% | 8.44% | 9.56% | 10.51% | 7.29% | 0.99% | -7.01% | -10.24% | -2,074 bps | |
| Deposit Growth (YoY) | 12.09% | 7.67% | 11.28% | 7.91% | 8.57% | 8.78% | 4.63% | 2.23% | -569 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 | 0.18% | 0.26% | 0.25% | 0.21% | 1.66% | 2.54% | 2.42% | 0.63% | +42 bps | |
| Allowance / Loans | 2.03% | 1.81% | 2.10% | 2.28% | 2.48% | 2.32% | 2.47% | 2.79% | +51 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 | 10.53% | 10.47% | 10.38% | 10.56% | 10.22% | 10.31% | 10.85% | 12.13% | +157 bps | |
| Equity / Assets | 8.73% | 8.48% | 8.27% | 8.30% | 7.70% | 7.73% | 8.00% | 8.75% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.27% | 99.50% | 103.64% | 99.39% | 96.12% | 92.37% | 92.11% | 87.27% | -1,212 bps | |
| Liquid Assets / Assets | 0.00% | 0.01% | 0.01% | 0.00% | 0.82% | 2.23% | 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 |