Elba, AL · Cert 33985
FDIC
Q2 2008
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.82% | 0.48% | 0.67% | 0.77% | 0.76% | 0.78% | 0.82% | +16 bps | |
| Return on Equity | 9.44% | 8.97% | 5.59% | 7.77% | 8.91% | 8.71% | 8.57% | 9.08% | +131 bps | |
| Net Interest Margin | 3.17% | 2.90% | 2.66% | 2.83% | 2.88% | 2.95% | 2.84% | 2.81% | -2 bps | |
| Efficiency Ratio | 56.59% | 58.74% | 60.19% | 55.27% | 52.24% | 51.81% | 51.78% | 50.10% | -517 bps | |
| Non-Interest Burden | 1.57% | 1.50% | 1.41% | 1.36% | 1.28% | 1.31% | 1.25% | 1.16% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.49% | 33.53% | 44.40% | 47.09% | 35.40% | 19.73% | 9.33% | 2.36% | -4,473 bps | |
| Loan Growth (YoY) | 41.19% | 43.84% | 48.38% | 44.63% | 29.54% | 17.21% | 9.85% | 0.57% | -4,406 bps | |
| Deposit Growth (YoY) | 23.78% | 31.35% | 44.12% | 47.02% | 31.87% | 17.30% | 8.98% | 1.85% | -4,517 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 | -0.02% | 0.23% | 2.13% | 0.95% | 1.49% | 1.16% | 0.46% | 0.23% | -72 bps | |
| Allowance / Loans | 2.66% | 2.35% | 1.95% | 2.01% | 1.62% | 1.77% | 1.90% | 2.11% | +11 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 | 11.02% | 10.14% | 12.47% | 11.43% | 11.85% | 11.97% | 12.06% | 12.34% | +91 bps | |
| Equity / Assets | 8.84% | 8.06% | 9.02% | 8.53% | 8.84% | 9.22% | 8.89% | 9.04% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.89% | 81.33% | 73.41% | 76.52% | 78.48% | 81.26% | 74.00% | 75.55% | -96 bps | |
| Liquid Assets / Assets | 0.58% | 0.53% | 0.46% | 0.44% | 0.44% | 0.46% | 0.43% | 0.06% | -38 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |