PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Amsouth Bank National Assn

Birmingham, AL · Cert 2782

FDIC

Q1 1997

$9.7BAssets
$6.8BLoans
$6.7BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.30%, up 9 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 101.46% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

1.30%+9 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets0.95%1.03%1.07%1.22%1.21%1.19%1.19%1.30%+9 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-6.48%0.46%7.87%8.00%6.90%8.18%5.35%-1.56%-956 bps
Loan Growth (YoY)8.58%4.63%1.53%0.35%0.51%4.12%7.40%6.83%+648 bps
Deposit Growth (YoY)6.35%1.43%1.66%1.21%-2.12%-1.17%-3.57%-3.01%-423 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits93.24%95.08%90.78%92.12%95.75%100.17%101.11%101.46%+935 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a