Theodore, AL · Cert 34872
FDIC · 4 branches
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Theodore, AL · Cert 34872
FDIC · 4 branches
Q2 2014
Market Position · Mobile, AL · 2014 SOD (annual) · 0.9% share · #15 of 20 inst. · $0.1B of $6.3B
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05%1 | 0.08%1 | -0.04% | 0.02%1 | 0.04%1 | 0.06%1 | 0.08% | -0.54% | -56 bps | |
| Return on Equity | 0.73% | 1.08% | -0.58% | 0.26% | 0.54% | 0.80% | 1.07% | -7.55% | -782 bps | |
| Net Interest Margin | 3.26% | 3.41% | 3.33% | 3.31% | 3.38% | 3.45% | 3.31% | 3.11% | -20 bps | |
| Efficiency Ratio | 98.61% | 101.08% | 103.40% | 102.01% | 100.67% | 99.78% | 97.98% | 114.27% | +1,225 bps | |
| Non-Interest Burden | 3.21% | 3.46% | 3.46% | 3.38% | 3.40% | 3.44% | 3.23% | 3.62% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.95% | -5.90% | -7.85% | -9.26% | -3.32% | -3.62% | -5.05% | -4.76% | +451 bps | |
| Loan Growth (YoY) | -1.12% | -1.03% | 2.92% | 7.26% | 6.59% | -0.44% | -7.34% | -10.57% | -1,783 bps | |
| Deposit Growth (YoY) | -5.07% | -8.72% | -10.44% | -8.04% | -3.76% | -2.63% | -4.79% | -5.57% | +246 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 | 0.27% | 0.01% | 1.57% | 1.17% | 0.78% | 0.72% | 0.54% | 0.81% | -36 bps | |
| Allowance / Loans | 2.78% | 2.89% | 2.38% | 2.16% | 2.20% | 2.18% | 2.11% | 1.90% | -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 | 8.94% | 9.02% | 8.89% | 8.79% | 8.97% | 9.31% | 9.51% | 9.26% | +47 bps | |
| Equity / Assets | 7.66% | 7.71% | 7.57% | 6.90% | 7.12% | 7.01% | 7.33% | 7.30% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.07% | 77.71% | 80.30% | 77.37% | 80.93% | 79.46% | 78.16% | 73.28% | -409 bps | |
| Liquid Assets / Assets | 5.30% | 5.00% | 3.98% | 4.50% | 5.05% | 6.87% | 6.94% | 8.70% | +420 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |