Mobile, AL · Charter 64725
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 | 2.79% | 3.03% | 1.58% | -1.13% | -3.49% | -13.19% | -5.84% | -4.13% | -299 bps | |
| Return on Equity | 20.42% | 21.34% | 10.17% | -7.90% | -31.04% | -163.73% | -70.01% | -45.05% | -3,715 bps | |
| Net Interest Margin | 6.02% | 6.15% | 6.57% | 6.59% | 6.04% | 5.27% | 4.88% | 5.53% | -105 bps | |
| Efficiency Ratio | 70.23% | 69.65% | 71.93% | 73.86% | 79.30% | 100.37% | 97.36% | 97.21% | +2,335 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.74% | 17.63% | 5.35% | 0.50% | -7.53% | -9.77% | -0.11% | -5.33% | -583 bps | |
| Loan Growth (YoY) | 14.60% | 10.25% | -4.24% | -17.19% | -22.09% | -30.35% | -8.68% | -0.44% | +1,676 bps | |
| Share Growth (YoY) | 21.64% | 16.67% | 3.33% | 0.42% | -5.30% | -3.63% | 8.24% | 0.31% | -11 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.57% | 7.59% | 9.31% | 9.36% | 9.52% | 5.43% | 4.77% | 7.35% | -202 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 | 3.24% | 3.26% | 3.57% | 4.68% | 7.17% | 10.12% | 7.02% | 7.70% | +302 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.64% | 14.18% | 15.52% | 14.36% | 11.26% | 8.06% | 8.34% | 9.16% | -519 bps | |
| Net Worth / Assets | 13.64% | 14.18% | 15.52% | 14.36% | 11.26% | 8.06% | 8.34% | 9.16% | -519 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.25% | 76.62% | 77.77% | 70.24% | 61.91% | 55.37% | 65.61% | 69.71% | -53 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |