Birmingham, AL · Charter 65463
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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 65463
Q3 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.89% | -2.13% | -1.18% | 1.59% | -0.58% | 0.04% | 0.05% | 0.47% | -111 bps | |
| Return on Equity | -16.36% | -8.69% | -4.80% | 6.28% | -2.44% | 0.16% | 0.19% | 1.70% | -458 bps | |
| Net Interest Margin | 5.17% | 5.27% | 5.22% | 5.71% | 5.32% | 5.57% | 5.05% | 5.45% | -26 bps | |
| Efficiency Ratio | 68.80% | 70.42% | 62.00% | 70.57% | 82.17% | 98.41% | 98.62% | 98.91% | +2,834 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.25% | -8.70% | -4.85% | -1.54% | 1.04% | -6.65% | -3.36% | -9.06% | -752 bps | |
| Loan Growth (YoY) | -13.65% | 4.15% | 19.43% | 19.67% | 20.34% | -2.65% | -11.16% | -11.54% | -3,121 bps | |
| Share Growth (YoY) | -2.94% | -8.60% | -3.82% | -3.99% | 1.00% | -9.35% | -4.92% | -11.75% | -776 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.40% | 2.63% | 1.30% | 0.54% | 1.75% | 2.85% | 2.48% | 1.74% | +120 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 | 4.21% | 3.46% | 3.24% | 3.33% | 3.43% | 2.94% | 2.71% | 2.14% | -119 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.77% | 24.54% | 24.62% | 25.26% | 23.87% | 26.78% | 25.55% | 27.74% | +249 bps | |
| Net Worth / Assets | 23.77% | 24.54% | 24.62% | 25.26% | 23.87% | 26.78% | 25.55% | 27.74% | +249 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.12% | 94.03% | 100.90% | 100.20% | 94.28% | 100.98% | 94.28% | 100.43% | +24 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |