Birmingham, AL · Charter 64162
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Birmingham, AL · Charter 64162
Q4 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.02% | -0.25% | -0.13% | 0.02% | 0.02% | 0.04% | -0.03% | +10 bps | |
| Return on Equity | 0.10% | 0.12% | -1.59% | -0.79% | 0.10% | 0.09% | 0.24% | -0.15% | +64 bps | |
| Net Interest Margin | 3.26% | 3.24% | 3.35% | 3.42% | 3.23% | 3.34% | 3.39% | 3.56% | +14 bps | |
| Efficiency Ratio | 94.47% | 95.73% | 100.23% | 97.13% | 99.68% | 99.71% | 99.25% | 100.49% | +335 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.19% | -0.75% | -4.90% | -5.89% | -2.06% | -4.17% | -4.68% | -7.49% | -159 bps | |
| Loan Growth (YoY) | -10.81% | -14.75% | -13.64% | -13.69% | -9.92% | -9.58% | -13.19% | -13.17% | +52 bps | |
| Share Growth (YoY) | -0.88% | -0.55% | -5.40% | -6.37% | -2.50% | -5.02% | -5.86% | -9.26% | -289 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.33% | 0.45% | 0.22% | 0.09% | 0.15% | 0.27% | 0.07% | -15 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 | 0.69% | 0.66% | 0.65% | 0.69% | 0.61% | 0.72% | 0.66% | 0.67% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.01% | 15.99% | 15.89% | 16.23% | 16.22% | 16.55% | 16.76% | 17.52% | +129 bps | |
| Net Worth / Assets | 16.01% | 15.99% | 15.89% | 16.23% | 16.22% | 16.55% | 16.76% | 17.52% | +129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.63% | 65.23% | 64.97% | 64.31% | 62.48% | 62.09% | 59.91% | 61.54% | -277 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |