Tuscaloosa, AL · Charter 64564
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Tuscaloosa, AL · Charter 64564
Q3 2007
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.02% | 0.67% | 0.65% | 0.80% | 0.05% | 0.30% | 0.40% | -25 bps | |
| Return on Equity | 1.37% | 0.11% | 3.26% | 3.10% | 3.52% | 0.21% | 1.27% | 1.19% | -192 bps | |
| Net Interest Margin | 4.00% | 3.93% | 4.04% | 4.10% | 4.38% | 4.27% | 4.48% | 6.18% | +208 bps | |
| Efficiency Ratio | 88.27% | 92.37% | 85.58% | 84.31% | 83.94% | 87.63% | 83.90% | 85.10% | +79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.90% | -6.49% | -9.18% | -10.96% | -7.25% | -6.28% | -10.37% | -36.27% | -2,531 bps | |
| Loan Growth (YoY) | 0.18% | 3.79% | 3.42% | 2.06% | 1.11% | -3.33% | -16.21% | -31.65% | -3,371 bps | |
| Share Growth (YoY) | -9.97% | -8.24% | -11.84% | -14.13% | -10.29% | -8.81% | -13.62% | -46.34% | -3,221 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 0.83% | 1.60% | 0.86% | 0.99% | 1.68% | 2.60% | 2.72% | +186 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 | 0.55% | 0.57% | 0.44% | 0.53% | 0.33% | 0.59% | 0.25% | 0.24% | -29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.47% | 20.05% | 20.53% | 20.84% | 22.87% | 22.08% | 23.49% | 33.40% | +1,256 bps | |
| Net Worth / Assets | 20.47% | 20.05% | 20.53% | 20.84% | 22.87% | 22.08% | 23.49% | 33.40% | +1,256 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.89% | 81.03% | 84.02% | 83.28% | 92.30% | 85.90% | 81.50% | 106.07% | +2,280 bps | |
| Liquid Assets / Assets | 28.19% | 30.73% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |