Foley, AL · Cert 57181
FDIC
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.
Foley, AL · Cert 57181
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.14% | -2.42% | -1.99% | -1.06% | -0.47% | -0.55% | -0.54% | -0.94% | +12 bps | |
| Return on Equity | -92.52% | -75.22% | -64.55% | -45.18% | -20.36% | -23.89% | -23.62% | -46.25% | -107 bps | |
| Net Interest Margin | 2.62% | 2.89% | 2.97% | 2.95% | 2.84% | 2.95% | 3.16% | 2.96% | 0 bps | |
| Efficiency Ratio | 366% | 242% | 189.16% | 101.30% | 100.38% | 110.99% | 111.88% | 128.98% | +2,768 bps | |
| Non-Interest Burden | 5.08% | 5.05% | 4.68% | 3.00% | 2.86% | 3.29% | 3.56% | 3.91% | +91 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.04% | -21.17% | -14.99% | -13.91% | -5.88% | -8.16% | -9.60% | -8.71% | +519 bps | |
| Loan Growth (YoY) | -9.02% | -7.75% | -9.34% | -10.04% | -11.18% | -10.84% | -11.90% | -13.91% | -387 bps | |
| Deposit Growth (YoY) | -9.51% | -18.60% | -14.02% | -13.06% | -5.55% | -5.43% | -6.99% | -6.23% | +683 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 | 2.70% | 2.00% | 1.74% | 1.79% | 1.25% | 0.89% | 0.74% | -0.29% | -208 bps | |
| Allowance / Loans | 2.45% | 2.42% | 2.39% | 2.38% | 2.29% | 2.32% | 2.36% | 2.57% | +20 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 | 5.00% | 4.84% | 4.76% | 4.46% | 4.62% | 4.52% | 4.27% | 4.13% | -33 bps | |
| Equity / Assets | 2.70% | 2.62% | 2.48% | 2.22% | 2.24% | 2.25% | 2.16% | 1.91% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.66% | 80.79% | 79.02% | 76.46% | 73.97% | 76.16% | 74.85% | 70.20% | -626 bps | |
| Liquid Assets / Assets | 6.66% | 9.42% | 11.82% | 14.12% | 15.89% | 12.74% | 14.36% | 21.07% | +695 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |