Birmingham, AL · Charter 7385
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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 7385
Q3 2005
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.24% | 0.29% | 0.36% | 0.37% | 0.29% | 0.33% | 0.35% | -1 bps | |
| Return on Equity | 2.29% | 1.65% | 1.95% | 2.37% | 2.39% | 2.02% | 2.25% | 2.24% | -12 bps | |
| Net Interest Margin | 3.08% | 3.12% | 3.17% | 3.19% | 3.22% | 3.01% | 3.03% | 3.12% | -6 bps | |
| Efficiency Ratio | 91.87% | 96.38% | 91.27% | 88.67% | 88.61% | 91.53% | 89.18% | 89.73% | +106 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.23% | 3.67% | 0.26% | 1.03% | -0.83% | 3.09% | 4.62% | 0.52% | -51 bps | |
| Loan Growth (YoY) | -2.51% | -1.54% | -3.07% | 0.02% | -0.09% | -0.07% | 3.67% | 0.37% | +35 bps | |
| Share Growth (YoY) | 5.71% | 3.98% | -0.17% | 0.82% | -2.02% | 3.08% | 2.33% | -1.81% | -262 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.54% | 2.29% | 2.28% | 2.22% | 2.59% | 1.12% | 1.74% | 1.81% | -41 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 | 0.58% | 0.50% | 0.53% | 0.59% | 0.60% | 0.58% | 0.54% | 0.53% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.86% | 14.68% | 15.00% | 15.12% | 15.35% | 14.60% | 14.71% | 15.40% | +27 bps | |
| Net Worth / Assets | 14.86% | 14.68% | 15.00% | 15.12% | 15.35% | 14.60% | 14.71% | 15.40% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.44% | 49.67% | 49.64% | 50.84% | 52.45% | 48.15% | 50.29% | 51.97% | +113 bps | |
| Liquid Assets / Assets | 14.34% | 12.48% | 11.32% | 10.73% | 11.40% | 15.27% | 15.68% | 16.41% | +568 bps | |