Tuskegee, AL · Cert 33519
FDIC · 3 branches
Q4 2014
Market Position · Montgomery, AL · 2014 SOD (annual) · 0.4% share · #19 of 23 inst. · $0.0B of $7.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.02% | -0.53% | -5.52% | 3.61% | -1.58% | 0.17%1 | -1.07% | -1.74% | -535 bps | |
| Return on Equity | -11.57% | -6.36% | -72.67% | 48.51% | -20.08% | 2.10% | -13.23% | -21.57% | -7,008 bps | |
| Net Interest Margin | 3.46% | 3.33% | 3.47% | 3.57% | 3.84% | 3.88% | 3.84% | 3.85% | +28 bps | |
| Efficiency Ratio | 122.36% | 112.25% | 230% | 40.70% | 129.55% | 103.24% | 123.41% | 163.34% | +12,265 bps | |
| Non-Interest Burden | 4.49% | 3.88% | 9.00% | -0.08% | 5.43% | 4.06% | 4.94% | 6.18% | +626 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.45% | -5.95% | -6.17% | -4.23% | -7.44% | -5.41% | -6.27% | -9.78% | -554 bps | |
| Loan Growth (YoY) | -8.08% | -7.61% | -10.54% | -13.48% | -11.44% | -13.21% | -8.80% | -9.12% | +436 bps | |
| Deposit Growth (YoY) | -6.10% | -7.08% | -5.73% | -3.85% | -5.64% | -5.40% | -7.53% | -9.87% | -602 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 | -0.08% | 0.11% | -0.04% | 0.57% | 0.71% | 0.54% | -0.12% | 0.50% | -7 bps | |
| Allowance / Loans | 1.59% | 1.58% | 1.67% | 1.59% | 1.45% | 1.36% | 1.40% | 1.32% | -26 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 | 14.42% | 14.36% | 12.79% | 14.18% | 13.87% | 14.13% | 13.89% | 13.87% | -31 bps | |
| Equity / Assets | 8.49% | 8.24% | 6.93% | 7.96% | 7.73% | 8.09% | 8.01% | 8.08% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.32% | 61.37% | 58.59% | 58.68% | 56.61% | 56.30% | 57.78% | 59.17% | +49 bps | |
| Liquid Assets / Assets | 8.56% | 5.97% | 6.51% | 4.33% | 6.68% | 8.15% | 4.27% | 1.16% | -317 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |