Sylacauga, AL · Cert 35224
FDIC
Q1 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.74%1 | -9.27% | -1.99% | -0.84% | -4.01% | -11.67% | -3.65% | -167 bps | |
| Return on Equity | 9.43% | 10.12% | -149.25% | -41.74% | -18.11% | -90.89% | -457% | -595% | -55,366 bps | |
| Net Interest Margin | 3.89% | 3.81% | 3.82% | 3.70% | 3.71% | 3.49% | 3.23% | 3.85% | +15 bps | |
| Efficiency Ratio | 84.75% | 98.33% | 209% | 126.68% | 119.62% | 118.14% | 164.29% | 103.25% | -2,342 bps | |
| Non-Interest Burden | 3.22% | 3.74% | 8.51% | 4.82% | 4.57% | 4.24% | 5.74% | 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 | 2.03% | 1.79% | 3.65% | 2.24% | 1.97% | 6.12% | 7.78% | 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 |