Maplesville, AL · Cert 68
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -0.05% | -0.32% | -0.23% | 0.30% | 0.05% | 0.06% | -0.46% | -22 bps | |
| Return on Equity | -3.72% | -0.49% | -3.02% | -2.20% | 2.92% | 0.50% | 0.57% | -4.48% | -228 bps | |
| Net Interest Margin | 3.30% | 3.23% | 3.02% | 2.82% | 2.69% | 2.65% | 2.72% | 2.49% | -33 bps | |
| Efficiency Ratio | 101.64% | 95.14% | 102.47% | 105.74% | 92.07% | 98.65% | 98.45% | 112.30% | +656 bps | |
| Non-Interest Burden | 3.38% | 3.03% | 3.12% | 3.05% | 2.38% | 2.60% | 2.66% | 2.95% | -10 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% | 0.44% | 2.13% | 0.00% | 0.20% | 0.02% | 0.02% | 0.60% | +60 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 |