Birmingham, AL · Charter 68543
Q2 2015
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.62% | -0.90% | -0.42% | -0.43% | -0.55% | -0.41% | -2.52% | -2.89% | -246 bps | |
| Return on Equity | -4.14% | -6.10% | -2.96% | -2.97% | -3.82% | -2.80% | -18.61% | -21.50% | -1,853 bps | |
| Net Interest Margin | 2.69% | 2.70% | 2.78% | 2.90% | 2.95% | 2.95% | 2.84% | 2.91% | +2 bps | |
| Efficiency Ratio | 99.82% | 103.89% | 107.55% | 105.72% | 108.06% | 99.17% | 251% | 179.51% | +7,379 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.79% | -1.90% | -2.30% | -2.18% | -1.32% | -0.56% | -1.87% | -5.08% | -291 bps | |
| Loan Growth (YoY) | -3.57% | -4.44% | -1.44% | 1.08% | 5.02% | 5.79% | 3.09% | -4.71% | -579 bps | |
| Share Growth (YoY) | -1.12% | 0.33% | -0.71% | -0.89% | -1.26% | -1.00% | -1.61% | -4.32% | -343 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.24% | 5.30% | 4.74% | 2.42% | 0.75% | 1.09% | 0.77% | 2.60% | +19 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 | 2.16% | 2.31% | 2.35% | 2.37% | 2.32% | 2.57% | 2.63% | 2.98% | +61 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.00% | 14.83% | 14.17% | 14.30% | 14.36% | 14.51% | 13.52% | 13.43% | -87 bps | |
| Net Worth / Assets | 15.00% | 14.83% | 14.17% | 14.30% | 14.36% | 14.51% | 13.52% | 13.43% | -87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.77% | 48.23% | 46.43% | 48.32% | 50.80% | 51.54% | 48.65% | 48.12% | -20 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |