Maplesville, AL · Cert 68
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Maplesville, AL · Cert 68
FDIC
Q4 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.40% | -0.22% | -0.26% | -0.25% | 0.30% | 0.18% | 0.14% | -0.01% | +24 bps | |
| Return on Equity | -3.72% | -2.11% | -2.41% | -2.36% | 2.92% | 1.71% | 1.33% | -0.11% | +225 bps | |
| Net Interest Margin | 3.30% | 3.24% | 3.16% | 3.12% | 2.69% | 2.63% | 2.68% | 2.66% | -46 bps | |
| Efficiency Ratio | 101.64% | 98.48% | 99.71% | 101.16% | 92.07% | 95.37% | 96.39% | 100.29% | -86 bps | |
| Non-Interest Burden | 3.38% | 3.17% | 3.15% | 3.17% | 2.38% | 2.45% | 2.54% | 2.67% | -50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.87% | -0.30% | -3.81% | 1.10% | 2.39% | -0.17% | 2.76% | 0.72% | -39 bps | |
| Loan Growth (YoY) | -15.14% | -13.40% | -8.94% | -6.97% | -7.21% | -9.04% | -2.30% | -9.85% | -288 bps | |
| Deposit Growth (YoY) | -6.42% | 0.31% | -3.70% | 1.34% | 2.59% | -0.11% | 3.36% | 0.88% | -45 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.05% | 0.75% | 1.23% | 0.94% | 0.20% | 0.12% | 0.08% | 0.22% | -72 bps | |
| Allowance / Loans | 1.28% | 1.36% | 1.02% | 1.05% | 1.00% | 1.03% | 0.99% | 0.94% | -10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 19.07% | 19.14% | 19.49% | 19.61% | 19.24% | 19.60% | 19.74% | 20.40% | +79 bps | |
| Equity / Assets | 10.69% | 10.42% | 10.65% | 10.48% | 10.36% | 10.22% | 10.18% | 10.19% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.21% | 45.01% | 44.91% | 43.73% | 42.70% | 40.99% | 42.45% | 39.07% | -465 bps | |
| Liquid Assets / Assets | 20.09% | 20.06% | 17.99% | 30.66% | 34.38% | 38.04% | 35.72% | 40.38% | +972 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |