Tuscaloosa, AL · Cert 27209
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.47% | 1.50% | 0.47% | 0.71% | -0.94% | -0.07% | 0.14% | 0.14% | -57 bps | |
| Return on Equity | -5.25% | 17.42% | 5.67% | 8.55% | -11.78% | -0.87% | 1.80% | 1.64% | -691 bps | |
| Net Interest Margin | 3.37% | 3.50% | 3.54% | 3.32% | 3.50% | 3.56% | 3.57% | 3.56% | +24 bps | |
| Efficiency Ratio | 49.22% | 48.14% | 47.29% | 49.10% | 58.16% | 53.04% | 55.97% | 60.20% | +1,110 bps | |
| Non-Interest Burden | 1.38% | 1.31% | 1.27% | 1.28% | 1.80% | 1.59% | 1.80% | 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 | 0.27% | 0.43% | 0.25% | 0.21% | 3.10% | 4.18% | 1.76% | 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 |