Mobile, AL · Charter 62788
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Mobile, AL · Charter 62788
Q1 2009
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.05% | 3.04% | -0.16% | 0.91% | 2.55% | 2.36% | 3.13% | 1.26% | +35 bps | |
| Return on Equity | 16.45% | 16.11% | -0.85% | 4.95% | 13.07% | 12.02% | 14.08% | 5.05% | +10 bps | |
| Net Interest Margin | 8.37% | 8.12% | 9.19% | 9.19% | 8.43% | 8.30% | 8.99% | 10.32% | +113 bps | |
| Efficiency Ratio | 51.04% | 55.06% | 56.20% | 52.98% | 51.54% | 56.83% | 53.90% | 66.97% | +1,398 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.84% | 3.18% | -2.64% | -1.48% | -7.50% | -7.82% | -2.17% | -13.90% | -1,242 bps | |
| Loan Growth (YoY) | 16.08% | 10.00% | -2.44% | 1.73% | -6.37% | -7.09% | -3.14% | -12.21% | -1,394 bps | |
| Share Growth (YoY) | -2.93% | -18.79% | -19.36% | -7.70% | -14.84% | 3.18% | 1.70% | -27.33% | -1,963 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.11% | 3.30% | 0.36% | 0.57% | 5.64% | 6.30% | 1.25% | 2.33% | +176 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 | 2.03% | 2.02% | 2.20% | 4.22% | 4.07% | 3.80% | 4.23% | 3.81% | -41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.57% | 18.86% | 18.70% | 18.47% | 19.55% | 19.60% | 22.24% | 25.00% | +652 bps | |
| Net Worth / Assets | 18.57% | 18.86% | 18.70% | 18.47% | 19.55% | 19.60% | 22.24% | 25.00% | +652 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 129.80% | 153.67% | 156.89% | 145.58% | 142.70% | 138.38% | 149.41% | 175.85% | +3,028 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |