Dothan, AL · Cert 5599
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 0.97% | 0.59% | 1.16% | 1.12% | 1.27% | 1.30% | 1.06% | -10 bps | |
| Return on Equity | 12.90% | 10.73% | 6.00% | 12.91% | 13.44% | 13.88% | 13.17% | 12.38% | -53 bps | |
| Net Interest Margin | 2.94% | 3.08% | 3.48% | 3.18% | 3.03% | 3.87% | 4.07% | 3.53% | +35 bps | |
| Efficiency Ratio | 54.28% | 55.51% | 52.29% | 50.09% | 49.92% | 51.96% | 52.51% | 50.73% | +64 bps | |
| Non-Interest Burden | 1.40% | 1.44% | 1.48% | 1.39% | 1.19% | 1.69% | 1.83% | 1.48% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.94% | -1.25% | 0.19% | -0.58% | 4.70% | 4.96% | 8.70% | 14.18% | +1,476 bps | |
| Loan Growth (YoY) | 9.08% | 6.99% | 8.12% | 6.79% | 8.47% | 15.64% | 14.37% | 12.16% | +537 bps | |
| Deposit Growth (YoY) | -2.94% | 1.81% | 6.69% | 7.89% | 15.40% | 24.38% | 26.65% | 35.80% | +2,791 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 | 0.01% | 0.08% | 0.38% | 0.21% | -0.13% | 0.10% | -0.29% | 0.96% | +74 bps | |
| Allowance / Loans | 1.82% | 1.84% | 2.06% | 2.04% | 2.09% | 1.98% | 2.05% | 1.99% | -5 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 | 13.02% | 13.77% | 13.37% | 12.83% | 12.57% | 13.32% | 13.11% | 12.07% | -77 bps | |
| Equity / Assets | 8.33% | 9.90% | 9.69% | 8.42% | 8.29% | 10.12% | 9.61% | 7.74% | -68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.27% | 108.08% | 110.27% | 104.00% | 100.83% | 100.49% | 99.58% | 85.90% | -1,810 bps | |
| Liquid Assets / Assets | 15.93% | 5.56% | 11.46% | 22.52% | 20.20% | 7.35% | 16.44% | 21.15% | -138 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |