Talladega, AL · Cert 2778
FDIC
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Talladega, AL · Cert 2778
FDIC
Q1 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.77% | 1.80% | 1.81% | 1.84% | 1.80% | +3 bps | |
| Return on Equity | 26.25% | 26.35% | 26.01% | 25.87% | 23.91% | -234 bps | |
| Net Interest Margin | 3.78% | 3.81% | 3.91% | 3.93% | 3.82% | +4 bps | |
| Efficiency Ratio | 46.36% | 46.28% | 45.68% | 45.42% | 46.71% | +35 bps | |
| Non-Interest Burden | 1.37% | 1.34% | 1.34% | 1.34% | 1.34% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.75% | 8.73% | -2.19% | -5.19% | -7.05% | -1,880 bps | |
| Loan Growth (YoY) | 13.94% | 7.00% | 6.56% | 3.56% | 1.31% | -1,263 bps | |
| Deposit Growth (YoY) | 0.52% | 1.80% | 0.37% | 4.03% | 1.66% | +114 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.03% | -0.02% | 0.06% | +7 bps | |
| Allowance / Loans | 1.22% | 1.23% | 1.25% | 1.26% | 1.26% | +4 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 14.33% | 15.75% | 15.63% | 16.00% | 16.25% | +193 bps | |
| Equity / Assets | 6.85% | 6.96% | 7.46% | 7.62% | 7.47% | +62 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.96% | 55.48% | 58.32% | 56.90% | 55.76% | -19 bps | |
| Liquid Assets / Assets | 18.09% | 18.58% | 18.12% | 17.61% | 17.32% | -77 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |