Tuscaloosa, AL · Charter 7476
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 1.00% | 1.00% | 1.00% | 0.75% | 0.68% | 0.83% | 0.86% | -14 bps | |
| Return on Equity | 7.40% | 8.15% | 8.35% | 8.50% | 6.80% | 6.30% | 7.36% | 7.55% | -95 bps | |
| Net Interest Margin | 2.96% | 2.89% | 2.77% | 2.68% | 2.18% | 2.10% | 2.22% | 2.25% | -43 bps | |
| Efficiency Ratio | 70.15% | 68.17% | 67.53% | 66.96% | 72.73% | 74.42% | 72.35% | 71.72% | +476 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.29% | 12.33% | 16.36% | 18.86% | 22.81% | 22.11% | 15.22% | 12.17% | -669 bps | |
| Loan Growth (YoY) | 12.91% | 5.03% | 4.20% | 2.92% | 2.17% | 4.69% | 12.66% | 16.03% | +1,311 bps | |
| Share Growth (YoY) | 8.29% | 11.95% | 16.73% | 21.02% | 24.70% | 24.17% | 16.53% | 12.51% | -851 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 1.00% | 0.77% | 0.93% | 0.94% | 1.03% | 1.19% | 0.94% | +2 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 | 0.74% | 0.82% | 0.87% | 0.95% | 0.97% | 0.92% | 0.75% | 0.67% | -28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.33% | 12.24% | 11.97% | 11.77% | 10.96% | 10.85% | 11.26% | 11.35% | -42 bps | |
| Net Worth / Assets | 12.33% | 12.24% | 11.97% | 11.77% | 10.96% | 10.85% | 11.26% | 11.35% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.93% | 69.60% | 67.72% | 64.26% | 58.94% | 58.68% | 65.47% | 66.28% | +201 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |