Stevenson, AL · Charter 5445
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Stevenson, AL · Charter 5445
Q1 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.51% | 0.89% | 0.72% | 0.39% | -2.72% | -9.85% | -12.23% | -40.08% | -4,047 bps | |
| Return on Equity | 12.96% | 7.76% | 6.53% | 3.62% | -28.72% | -219% | -2373% | n/a | n/a | |
| Net Interest Margin | 4.71% | 4.59% | 4.47% | 4.18% | 4.23% | 4.49% | 4.81% | 5.83% | +165 bps | |
| Efficiency Ratio | 60.08% | 67.68% | 65.00% | 66.63% | 66.75% | 69.54% | 72.55% | 168.33% | +10,170 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.44% | 25.82% | 17.81% | 14.07% | 7.30% | -4.69% | -13.39% | -31.20% | -4,527 bps | |
| Loan Growth (YoY) | 17.31% | 18.31% | 14.51% | 5.75% | 0.62% | -5.28% | -19.34% | -28.04% | -3,379 bps | |
| Share Growth (YoY) | 24.82% | 27.61% | 19.51% | 15.70% | 9.81% | 2.65% | -3.22% | -15.20% | -3,090 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.69% | 4.41% | 5.50% | 6.50% | 11.33% | 13.40% | 6.58% | 17.42% | +1,092 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.76% | 1.98% | 1.68% | 2.04% | 3.07% | 10.20% | 10.83% | 16.58% | +1,454 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.63% | 11.46% | 11.04% | 10.76% | 9.49% | 4.49% | 0.52% | -9.39% | -2,015 bps | |
| Net Worth / Assets | 11.63% | 11.46% | 11.04% | 10.76% | 9.49% | 4.49% | 0.52% | -9.39% | -2,015 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.64% | 93.10% | 89.93% | 84.44% | 83.98% | 85.90% | 74.95% | 71.66% | -1,278 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |