Sylacauga, AL · Cert 35224
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Sylacauga, AL · Cert 35224
FDIC
Q1 2012
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 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.05% | -0.47% | -2.57% | -1.99% | -1.43% | -2.26% | -4.48% | -3.65% | -167 bps | |
| Return on Equity | -14.69% | -6.49% | -37.97% | -41.74% | -29.99% | -49.16% | -113.75% | -595% | -55,366 bps | |
| Net Interest Margin | 3.94% | 3.92% | 4.02% | 3.70% | 3.76% | 3.73% | 3.77% | 3.85% | +15 bps | |
| Efficiency Ratio | 85.92% | 89.91% | 118.34% | 126.68% | 123.13% | 121.55% | 131.00% | 103.25% | -2,342 bps | |
| Non-Interest Burden | 3.31% | 3.48% | 4.85% | 4.82% | 4.77% | 4.67% | 5.14% | 3.99% | -83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.70% | -13.34% | -10.42% | -7.43% | -11.60% | -10.15% | -14.43% | -20.39% | -1,296 bps | |
| Loan Growth (YoY) | -18.33% | -19.47% | -17.53% | -16.48% | -18.11% | -17.29% | -20.12% | -25.16% | -868 bps | |
| Deposit Growth (YoY) | -14.54% | -13.95% | -9.04% | -5.67% | -10.22% | -7.48% | -12.36% | -18.98% | -1,331 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 | 2.70% | 2.51% | 2.87% | 2.24% | 2.17% | 3.56% | 4.81% | 8.80% | +657 bps | |
| Allowance / Loans | 2.97% | 2.86% | 3.56% | 3.47% | 3.17% | 2.96% | 4.94% | 4.64% | +117 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 | 10.69% | 11.16% | 8.47% | 7.75% | 8.03% | 6.83% | 2.88% | 0.50% | -725 bps | |
| Equity / Assets | 7.28% | 7.39% | 5.00% | 4.51% | 4.81% | 4.00% | 0.99% | 0.22% | -430 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.21% | 93.12% | 90.19% | 84.76% | 86.84% | 83.24% | 82.22% | 78.29% | -647 bps | |
| Liquid Assets / Assets | 6.16% | 4.92% | 4.99% | 4.94% | 8.55% | 9.15% | 6.81% | 8.64% | +370 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |