Alexander City, AL · Cert 2773
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Alexander City, AL · Cert 2773
FDIC
Q3 2011
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 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.45% | 0.42% | -0.80% | -0.54% | -0.67% | -0.49% | -0.72% | -0.22% | +31 bps | |
| Return on Equity | -28.46% | 4.16% | -7.93% | -5.17% | -6.37% | -4.66% | -6.93% | -2.14% | +304 bps | |
| Net Interest Margin | 2.77% | 2.87% | 2.85% | 3.02% | 3.26% | 3.46% | 3.53% | 3.66% | +64 bps | |
| Efficiency Ratio | 104.07% | 86.45% | 88.31% | 88.38% | 86.41% | 84.91% | 79.11% | 74.69% | -1,369 bps | |
| Non-Interest Burden | 2.91% | 2.40% | 2.44% | 2.62% | 2.73% | 2.89% | 2.68% | 2.57% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.96% | 3.83% | 7.66% | -5.28% | -7.74% | -5.83% | -8.08% | -2.32% | +295 bps | |
| Loan Growth (YoY) | -10.38% | -10.44% | -12.74% | -11.06% | -4.75% | 0.98% | 8.61% | 10.66% | +2,172 bps | |
| Deposit Growth (YoY) | 16.37% | 11.76% | 10.32% | -8.00% | -8.94% | -9.06% | -8.57% | -1.90% | +610 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 | 3.51% | 0.32% | 5.65% | 4.32% | 3.76% | 6.13% | 3.52% | 2.60% | -172 bps | |
| Allowance / Loans | 3.92% | 3.95% | 3.04% | 3.04% | 3.42% | 2.26% | 2.96% | 2.98% | -6 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 | 13.58% | 13.74% | 13.95% | 14.41% | 13.39% | 12.65% | 12.15% | 12.52% | -189 bps | |
| Equity / Assets | 10.30% | 9.96% | 10.16% | 11.02% | 10.89% | 10.13% | 10.24% | 10.78% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.65% | 80.31% | 75.54% | 81.85% | 89.59% | 89.18% | 89.74% | 92.33% | +1,048 bps | |
| Liquid Assets / Assets | 11.44% | 9.90% | 7.28% | 5.70% | 0.27% | 0.12% | 0.21% | 0.31% | -539 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |