Birmingham, AL · Cert 59060
FDIC · 1 branch
Q2 2017
Market Position · Birmingham-Hoover, AL · 2017 SOD (annual) · 1.9% share · #9 of 50 inst. · $0.7B of $37.9B
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.60% | 0.48% | 0.52% | 0.69% | 0.80% | 1.99% | 1.48% | +96 bps | |
| Return on Equity | 3.74% | 2.98% | 2.46% | 2.73% | 3.68% | 4.22% | 9.93% | 7.29% | +456 bps | |
| Net Interest Margin | 3.71% | 3.69% | 3.64% | 3.31% | 3.17% | 3.27% | 3.38% | 3.61% | +30 bps | |
| Efficiency Ratio | 73.02% | 73.35% | 66.56% | 63.29% | 65.20% | 65.82% | 43.90% | 52.84% | -1,045 bps | |
| Non-Interest Burden | 2.51% | 2.52% | 2.24% | 1.84% | 1.86% | 1.96% | 0.27% | 1.27% | -57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.12% | -1.09% | 13.89% | 13.51% | 11.89% | 7.67% | -3.63% | -7.38% | -2,089 bps | |
| Loan Growth (YoY) | 6.60% | 20.39% | 27.40% | 36.46% | 9.82% | 0.75% | 2.86% | 1.39% | -3,507 bps | |
| Deposit Growth (YoY) | 0.61% | 2.56% | 23.96% | 22.72% | 20.61% | 14.63% | -3.26% | -10.38% | -3,310 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.93% | 1.25% | +125 bps | |
| Net Charge-Offs / Loans | 0.45% | 0.35% | -0.03% | 0.61% | 0.39% | 0.47% | -0.22% | -0.33% | -95 bps | |
| Allowance / Loans | 1.48% | 1.58% | 1.73% | 1.65% | 1.62% | 1.32% | 1.31% | 1.38% | -28 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 0.7x | 1.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.05% | 19.74% | 19.56% | 17.76% | 17.15% | 18.05% | 19.52% | 20.20% | +244 bps | |
| Total Risk-Based Capital | 23.44% | 22.24% | 21.78% | 21.47% | 22.44% | 23.26% | 22.66% | 22.71% | +124 bps | |
| Equity / Assets | 19.74% | 20.31% | 18.66% | 18.08% | 18.18% | 19.62% | 20.47% | 20.70% | +263 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.61% | 110.10% | 100.33% | 98.37% | 93.42% | 96.76% | 106.69% | 111.29% | +1,292 bps | |
| Liquid Assets / Assets | 8.95% | 3.79% | 11.20% | 13.12% | 18.55% | 13.21% | 8.16% | 7.08% | -603 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |