Gulf Shores, AL · Cert 35374
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.71% | 2.10% | 2.03% | 1.75% | 1.99% | 1.96% | 0.38% | 1.25% | -49 bps | |
| Return on Equity | 23.50% | 25.35% | 21.84% | 19.38% | 21.77% | 19.66% | 2.20% | 5.51% | -1,387 bps | |
| Net Interest Margin | 5.09% | 5.56% | 5.48% | 5.39% | 5.47% | 5.32% | 1.09% | 4.03% | -136 bps | |
| Efficiency Ratio | 47.19% | 42.51% | 42.76% | 50.80% | 45.32% | 48.24% | 44.07% | 48.84% | -195 bps | |
| Non-Interest Burden | 2.09% | 2.01% | 2.01% | 2.41% | 2.06% | 2.21% | 0.49% | 1.97% | -45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 48.51% | 36.62% | 19.63% | 17.78% | 8.63% | 8.69% | 23.75% | 16.53% | -126 bps | |
| Loan Growth (YoY) | 49.05% | 36.08% | 20.57% | 16.36% | 4.61% | 8.88% | 8.65% | 4.14% | -1,222 bps | |
| Deposit Growth (YoY) | 49.36% | 37.64% | 18.10% | 15.77% | 5.88% | 7.72% | 6.02% | 0.16% | -1,561 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 | 0.50% | -0.01% | 0.00% | 0.07% | 0.00% | 0.14% | 0.00% | 0.00% | -8 bps | |
| Allowance / Loans | 1.10% | 1.14% | 1.23% | 1.21% | 1.31% | 1.20% | 1.62% | 1.66% | +45 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 | 8.92% | 10.81% | 11.48% | 11.40% | 12.38% | 12.72% | 11.80% | 12.07% | +67 bps | |
| Equity / Assets | 7.38% | 9.21% | 9.35% | 8.72% | 9.62% | 10.30% | 23.20% | 22.31% | +1,359 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.36% | 100.37% | 97.77% | 89.61% | 93.23% | 101.45% | 100.19% | 93.18% | +356 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |