Montgomery, AL · Cert 57178
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Montgomery, AL · Cert 57178
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 | 0.34% | 0.74% | 0.68% | 0.71% | 0.78% | 0.17% | 0.11% | 0.24% | -47 bps | |
| Return on Equity | 1.48% | 4.00% | 3.82% | 4.19% | 4.79% | 1.23% | 0.81% | 1.77% | -242 bps | |
| Net Interest Margin | 3.02% | 3.79% | 3.55% | 3.42% | 3.42% | 3.80% | 3.69% | 3.63% | +21 bps | |
| Efficiency Ratio | 75.52% | 64.12% | 62.30% | 61.82% | 61.00% | 80.11% | 80.64% | 80.02% | +1,820 bps | |
| Non-Interest Burden | 2.20% | 2.37% | 2.15% | 2.06% | 2.03% | 2.99% | 2.91% | 2.84% | +79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 43.96% | 45.05% | 43.17% | 49.68% | 41.23% | 38.97% | 27.56% | 17.92% | -3,176 bps | |
| Loan Growth (YoY) | 60.21% | 49.85% | 48.37% | 45.80% | 38.13% | 38.84% | 21.39% | 20.05% | -2,575 bps | |
| Deposit Growth (YoY) | 59.67% | 64.05% | 50.20% | 65.98% | 41.09% | 44.80% | 32.09% | 19.58% | -4,641 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.11% | 0.00% | 0.40% | 0.26% | +26 bps | |
| Allowance / Loans | 1.25% | 1.26% | 1.25% | 1.30% | 1.12% | 1.21% | 1.20% | 1.20% | -10 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 | 26.40% | 24.73% | 22.37% | 21.40% | 18.95% | 17.71% | 16.92% | 16.50% | -490 bps | |
| Equity / Assets | 19.22% | 17.93% | 16.41% | 14.99% | 14.11% | 13.32% | 13.16% | 13.00% | -199 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.71% | 99.85% | 105.29% | 93.42% | 101.53% | 95.74% | 96.76% | 93.78% | +37 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 |