Tuscaloosa, AL · Charter 63295
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 | -0.70% | -0.58% | -0.59% | -1.04% | -1.52% | -1.43% | -1.53% | -1.81% | -77 bps | |
| Return on Equity | -7.18% | -6.06% | -6.31% | -11.74% | -17.63% | -16.33% | -17.80% | -25.82% | -1,408 bps | |
| Net Interest Margin | 4.05% | 4.09% | 3.97% | 3.08% | 3.02% | 3.13% | 3.24% | 2.53% | -55 bps | |
| Efficiency Ratio | 110.89% | 109.22% | 109.68% | 122.56% | 131.65% | 128.28% | 126.96% | 141.61% | +1,906 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.35% | 2.21% | 4.35% | 1.95% | 1.11% | -3.54% | -7.38% | -6.40% | -835 bps | |
| Loan Growth (YoY) | -33.79% | -32.20% | -30.47% | -24.72% | -15.12% | -12.81% | -6.49% | -9.03% | +1,569 bps | |
| Share Growth (YoY) | -6.71% | 2.32% | 5.23% | 3.31% | 2.45% | -2.31% | -5.84% | -4.69% | -800 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.31% | 1.19% | 1.19% | 0.87% | 0.81% | 1.58% | 1.44% | 0.61% | -26 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 | 0.96% | 0.79% | 0.70% | 0.48% | 0.32% | 0.32% | 0.38% | 0.39% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.71% | 9.63% | 9.39% | 8.86% | 8.60% | 8.75% | 8.61% | 7.01% | -186 bps | |
| Net Worth / Assets | 9.71% | 9.63% | 9.39% | 8.86% | 8.60% | 8.75% | 8.61% | 7.01% | -186 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.40% | 65.67% | 60.35% | 56.28% | 58.32% | 58.61% | 59.93% | 53.72% | -256 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |