Alexander City, AL · Cert 2773
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.23% | 0.42% | -2.00% | 0.03%1 | -1.08% | -0.49% | -0.94% | 0.77% | +74 bps | |
| Return on Equity | -25.18% | 4.16% | -19.86% | 0.26% | -9.88% | -4.66% | -9.23% | 7.35% | +709 bps | |
| Net Interest Margin | 2.82% | 2.87% | 2.87% | 3.13% | 3.46% | 3.46% | 3.67% | 3.77% | +64 bps | |
| Efficiency Ratio | 140.99% | 86.45% | 90.08% | 88.54% | 81.44% | 84.91% | 74.20% | 66.72% | -2,182 bps | |
| Non-Interest Burden | 4.21% | 2.40% | 2.52% | 2.77% | 2.64% | 2.89% | 2.53% | 2.24% | -53 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 | 4.85% | 0.32% | 10.96% | 1.48% | 2.58% | 6.13% | 1.01% | 0.78% | -70 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 |