Montogomery, AL · Charter 61337
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Montogomery, AL · Charter 61337
Q3 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.13% | -0.10% | 0.20% | 0.35% | -0.14% | -0.09% | -0.75% | -95 bps | |
| Return on Equity | 6.73% | 1.50% | -1.35% | 2.57% | 4.20% | -1.83% | -1.26% | -10.68% | -1,324 bps | |
| Net Interest Margin | 3.86% | 4.10% | 3.68% | 3.91% | 4.10% | 4.06% | 4.04% | 4.19% | +29 bps | |
| Efficiency Ratio | 88.16% | 93.03% | 89.48% | 87.63% | 86.34% | 87.21% | 95.53% | 100.76% | +1,313 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.97% | -2.69% | -2.68% | -0.43% | -0.58% | 4.63% | 0.96% | 0.81% | +124 bps | |
| Loan Growth (YoY) | -9.39% | -9.60% | -8.54% | -6.01% | -5.84% | -4.18% | -5.59% | -5.77% | +24 bps | |
| Share Growth (YoY) | 0.19% | -3.04% | -2.94% | -0.79% | -0.50% | 5.25% | 1.16% | 1.73% | +253 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.43% | 2.23% | 2.84% | 1.88% | 2.16% | 2.14% | 1.58% | 0.91% | -97 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 0.51% | 0.88% | 0.85% | 0.82% | 0.80% | 0.68% | 0.52% | -33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.52% | 8.51% | 7.71% | 7.88% | 8.35% | 7.82% | 7.50% | 7.05% | -83 bps | |
| Net Worth / Assets | 8.52% | 8.51% | 7.71% | 7.88% | 8.35% | 7.82% | 7.50% | 7.05% | -83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.32% | 78.42% | 70.43% | 70.79% | 73.18% | 71.40% | 65.73% | 65.57% | -522 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |