Montgomery, AL · Charter 64631
Q3 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | -0.08% | 0.44% | 0.64% | 0.69% | -0.11% | -0.59% | -0.50% | -114 bps | |
| Return on Equity | 6.61% | -0.55% | 3.08% | 4.04% | 4.37% | -0.68% | -3.61% | n/a | n/a | |
| Net Interest Margin | 1.55% | 1.43% | 1.48% | 1.60% | 1.54% | 1.40% | 1.32% | 1.23% | -38 bps | |
| Efficiency Ratio | 44.83% | 105.12% | 71.38% | 60.87% | 56.28% | 91.29% | 135.34% | 132.16% | +7,129 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.98% | 3.96% | -0.19% | -11.27% | -12.45% | -13.38% | -10.81% | -19.50% | -823 bps | |
| Loan Growth (YoY) | -4.54% | -9.02% | -6.98% | -15.29% | -18.72% | -19.99% | -1.02% | 2.21% | +1,751 bps | |
| Share Growth (YoY) | 5.82% | 3.64% | -1.14% | -13.99% | -14.95% | -16.09% | -13.01% | -3.29% | +1,070 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 2.30% | 1.93% | 0.37% | 1.15% | 0.99% | 0.73% | 0.00% | -37 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 | 0.77% | 0.82% | 0.86% | 0.53% | 0.53% | 0.84% | 0.75% | 0.75% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.25% | 13.65% | 14.25% | 15.87% | 15.72% | 16.36% | 16.40% | 0.00% | -1,587 bps | |
| Net Worth / Assets | 13.25% | 13.65% | 14.25% | 15.87% | 15.72% | 16.36% | 16.40% | 0.00% | -1,587 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.96% | 27.22% | 25.82% | 27.63% | 26.72% | 25.95% | 29.39% | 29.20% | +157 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |