Huntsville, AL · Cert 32649
FDIC · 1 branch
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Huntsville, AL · Cert 32649
FDIC · 1 branch
Q1 2016
Market Position · Huntsville, AL · 2015 SOD (annual) · 1.4% share · #15 of 30 inst. · $0.1B of $7.0B
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | -0.25% | -0.43% | -0.94% | -0.76% | -1.14% | -1.27% | -0.59% | +35 bps | |
| Return on Equity | -1.43% | -3.04% | -5.16% | -11.13% | -8.97% | -13.73% | -15.36% | -7.12% | +402 bps | |
| Net Interest Margin | 3.49% | 3.55% | 3.55% | 3.01% | 2.90% | 2.76% | 2.90% | 2.92% | -9 bps | |
| Efficiency Ratio | 103.06% | 106.69% | 111.09% | 120.26% | 118.28% | 123.99% | 129.80% | 114.06% | -620 bps | |
| Non-Interest Burden | 3.61% | 3.82% | 4.00% | 3.75% | 3.56% | 3.58% | 3.96% | 3.52% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.61% | -15.62% | -12.10% | -9.50% | -7.89% | -4.85% | -8.70% | -15.48% | -598 bps | |
| Loan Growth (YoY) | -5.31% | -3.23% | -10.31% | -13.10% | -12.54% | -18.13% | -11.97% | -9.72% | +338 bps | |
| Deposit Growth (YoY) | -11.46% | -16.61% | -13.07% | -5.89% | -7.76% | -0.82% | -6.58% | -19.96% | -1,407 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 | -0.05% | -0.03% | 0.09% | 2.13% | 1.16% | 1.25% | 1.04% | 0.07% | -206 bps | |
| Allowance / Loans | 1.72% | 1.71% | 1.72% | 1.30% | 1.34% | 1.36% | 1.25% | 1.23% | -7 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 | 8.32% | 8.22% | 7.65% | 7.74% | 8.30% | -2 bps | |
| Total Risk-Based Capital | 12.59% | 12.42% | 12.91% | 12.38% | 12.36% | 12.20% | 11.87% | 11.29% | -109 bps | |
| Equity / Assets | 8.40% | 8.50% | 8.71% | 8.25% | 8.33% | 7.83% | 8.15% | 8.43% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.65% | 103.10% | 98.94% | 93.30% | 91.64% | 85.09% | 93.22% | 105.24% | +1,194 bps | |
| Liquid Assets / Assets | 5.38% | 3.57% | 4.58% | 6.76% | 8.71% | 12.44% | 4.53% | 5.38% | -138 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |