Dothan, AL · Cert 5599
FDIC
Q4 2005
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 | 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% | 1.02% | 0.88% | 0.94% | 1.12% | 1.21% | 1.22% | 1.16% | +23 bps | |
| Return on Equity | 12.90% | 11.83% | 9.84% | 10.66% | 13.44% | 13.64% | 13.48% | 13.28% | +262 bps | |
| Net Interest Margin | 2.94% | 3.13% | 3.36% | 3.02% | 3.03% | 3.63% | 3.86% | 3.34% | +32 bps | |
| Efficiency Ratio | 54.28% | 54.90% | 53.99% | 52.99% | 49.92% | 50.99% | 51.51% | 51.31% | -169 bps | |
| Non-Interest Burden | 1.40% | 1.47% | 1.53% | 1.36% | 1.19% | 1.51% | 1.65% | 1.42% | +6 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% | 0.05% | 0.16% | 0.17% | -0.13% | -0.01% | -0.10% | 0.16% | -2 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 |