Birmingham, AL · Charter 64356
Q2 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | 0.77% | -0.01% | -13.71% | -12.55% | -9.80% | -31.92% | -17.34% | -364 bps | |
| Return on Equity | 9.78% | 5.91% | -0.07% | -174.83% | -221% | -195.97% | n/a | n/a | n/a | |
| Net Interest Margin | 5.78% | 5.84% | 6.40% | 6.71% | 6.80% | 6.24% | 6.24% | 5.23% | -147 bps | |
| Efficiency Ratio | 61.78% | 64.44% | 74.39% | 92.56% | 85.03% | 81.41% | 104.85% | 112.76% | +2,020 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.88% | -3.02% | -4.37% | -10.13% | -16.13% | -11.59% | -20.06% | -15.82% | -569 bps | |
| Loan Growth (YoY) | 1.08% | -4.20% | -5.72% | -8.97% | -12.14% | -12.97% | -21.52% | -22.56% | -1,359 bps | |
| Share Growth (YoY) | 6.15% | 0.33% | 8.25% | -2.50% | -2.12% | 6.41% | -5.65% | -1.22% | +128 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 18.70% | 19.23% | 18.95% | 19.55% | 19.77% | 22.84% | 13.75% | 31.44% | +1,189 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 | 2.33% | 1.18% | 0.28% | 4.70% | 6.30% | 6.20% | 9.88% | 7.34% | +263 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.84% | 13.08% | 13.38% | 7.84% | 5.67% | 5.00% | -2.32% | -2.77% | -1,061 bps | |
| Net Worth / Assets | 12.84% | 13.08% | 13.38% | 7.84% | 5.67% | 5.00% | -2.32% | -2.77% | -1,061 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 115.52% | 115.54% | 105.29% | 108.85% | 103.69% | 94.50% | 87.58% | 85.33% | -2,352 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |