Jasper, AL · Cert 2808
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Jasper, AL · Cert 2808
FDIC
Q1 2010
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.87% | 1.74% | 1.41% | 0.85% | 0.80% | 0.95% | 0.88% | 0.66% | -18 bps | |
| Return on Equity | 22.42% | 21.02% | 17.12% | 10.20% | 9.69% | 11.78% | 11.05% | 9.27% | -93 bps | |
| Net Interest Margin | 4.05% | 4.03% | 3.88% | 3.38% | 3.45% | 3.48% | 3.50% | 3.77% | +39 bps | |
| Efficiency Ratio | 45.13% | 45.96% | 48.48% | 58.51% | 60.39% | 58.48% | 57.66% | 58.75% | +24 bps | |
| Non-Interest Burden | 1.28% | 1.33% | 1.42% | 1.62% | 1.73% | 1.67% | 1.65% | 1.91% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.96% | 2.16% | 1.30% | 3.59% | 2.76% | 2.39% | 1.97% | 0.30% | -329 bps | |
| Loan Growth (YoY) | -1.04% | 3.88% | 2.83% | 3.19% | 2.76% | -5.05% | -7.78% | -13.13% | -1,632 bps | |
| Deposit Growth (YoY) | 0.54% | 3.95% | 8.50% | 9.24% | 8.17% | 7.01% | 5.91% | 1.27% | -797 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 | 0.12% | 0.21% | 0.28% | 0.16% | 0.41% | 0.32% | 0.44% | 0.21% | +4 bps | |
| Allowance / Loans | 1.07% | 1.02% | 1.32% | 1.46% | 1.49% | 1.81% | 2.12% | 2.54% | +109 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 | 11.35% | 11.00% | 11.14% | 11.72% | 11.49% | 11.48% | 11.39% | 11.80% | +8 bps | |
| Equity / Assets | 8.28% | 8.09% | 8.22% | 8.38% | 8.06% | 7.74% | 7.30% | 7.01% | -137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.72% | 84.15% | 81.49% | 78.96% | 78.58% | 74.67% | 70.96% | 67.73% | -1,123 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.02% | 0.02% | 0.11% | 1.08% | 0.05% | 10.63% | +1,061 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |