Blountsville, AL · Cert 57
FDIC
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.34% | 0.29% | 0.30% | 0.42% | 0.22% | 0.49% | 0.61% | +31 bps | |
| Return on Equity | 1.27% | 4.21% | 3.55% | 3.69% | 5.18% | 2.72% | 6.13% | 7.54% | +385 bps | |
| Net Interest Margin | 3.43% | 3.34% | 3.48% | 3.59% | 3.69% | 3.66% | 3.72% | 3.81% | +22 bps | |
| Efficiency Ratio | 90.42% | 85.16% | 87.43% | 86.83% | 83.24% | 78.97% | 73.58% | 70.98% | -1,584 bps | |
| Non-Interest Burden | 3.00% | 2.64% | 2.88% | 2.97% | 2.87% | 2.71% | 2.47% | 2.40% | -57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.25% | -3.17% | -2.23% | 6.17% | 3.56% | 5.84% | 7.35% | 1.09% | -508 bps | |
| Loan Growth (YoY) | -5.53% | -2.28% | 3.66% | 5.40% | 12.20% | 16.31% | 14.07% | 8.13% | +273 bps | |
| Deposit Growth (YoY) | -2.39% | -2.98% | -2.78% | 1.21% | -1.93% | 0.37% | 1.66% | -0.05% | -126 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 | 3.54% | 0.38% | 0.29% | 0.19% | 0.20% | 0.47% | 0.61% | 0.59% | +40 bps | |
| Allowance / Loans | 1.53% | 1.49% | 1.40% | 1.43% | 1.39% | 1.43% | 1.38% | 1.44% | +2 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 | 11.65% | 11.86% | 11.30% | 10.81% | 12.15% | 11.80% | 12.44% | 12.60% | +179 bps | |
| Equity / Assets | 8.18% | 8.08% | 8.59% | 8.02% | 8.05% | 7.91% | 8.02% | 8.48% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.10% | 68.77% | 73.61% | 76.13% | 76.76% | 79.69% | 82.59% | 82.36% | +623 bps | |
| Liquid Assets / Assets | 0.06% | 0.02% | 0.40% | 0.38% | 0.40% | 0.41% | 1.13% | 0.78% | +40 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |