Hoover, AL · Cert 57764
FDIC · 30 branches
Q1 2019
Market Position · Birmingham-Hoover, AL · 2018 SOD (annual) · 1.4% share · #10 of 50 inst. · $0.5B of $37.7B
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.13% | 0.91% | 1.30% | 1.37% | 1.38% | 1.32% | -0.48% | -178 bps | |
| Return on Equity | 8.81% | 8.60% | 6.86% | 8.70% | 9.02% | 8.79% | 8.24% | -2.96% | -1,165 bps | |
| Net Interest Margin | 4.04% | 4.19% | 4.05% | 4.53% | 4.51% | 3.99% | 3.91% | 4.53% | 0 bps | |
| Efficiency Ratio | 60.41% | 58.98% | 57.94% | 60.99% | 58.26% | 56.72% | 57.97% | 109.32% | +4,833 bps | |
| Non-Interest Burden | 2.05% | 2.06% | 1.97% | 2.46% | 2.33% | 1.99% | 2.03% | 4.80% | +233 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 39.32% | 43.27% | 40.41% | 27.33% | 32.93% | 61.02% | 53.81% | 37.52% | +1,019 bps | |
| Loan Growth (YoY) | 33.10% | 45.87% | 44.40% | 36.39% | 32.85% | 56.68% | 53.79% | 34.93% | -145 bps | |
| Deposit Growth (YoY) | 37.66% | 39.95% | 36.90% | 22.31% | 30.23% | 56.64% | 48.63% | 36.60% | +1,428 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.21% | 0.16% | 0.14% | 0.13% | 0.15% | 0.34% | 0.42% | +28 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.05% | 0.07% | 0.09% | 0.06% | 0.05% | 0.17% | +10 bps | |
| Allowance / Loans | 0.71% | 0.69% | 0.69% | 0.63% | 0.63% | 0.52% | 0.55% | 0.50% | -14 bps | |
| Allowance Coverage of NPLs | 3.3x | 3.3x | 4.4x | 4.5x | 5.1x | 3.5x | 1.6x | 1.2x | -3.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.67% | 10.55% | 10.36% | 10.80% | 11.08% | 11.84% | 11.26% | 10.50% | -30 bps | |
| Total Risk-Based Capital | 12.62% | 12.48% | 12.61% | 13.47% | 13.88% | 14.03% | 14.13% | 13.14% | -33 bps | |
| Equity / Assets | 13.74% | 14.55% | 13.86% | 15.85% | 15.71% | 16.88% | 16.74% | 15.97% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.67% | 96.92% | 93.45% | 97.10% | 94.53% | 96.94% | 96.70% | 95.92% | -118 bps | |
| Liquid Assets / Assets | 9.16% | 4.44% | 8.13% | 4.15% | 5.89% | 3.90% | 4.48% | 4.25% | +10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |