Birmingham, AL · Cert 849
FDIC
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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 · Cert 849
FDIC
Q4 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 1.32% | 1.34% | 1.31% | 1.36% | 1.43% | 1.42% | 1.21% | -10 bps | |
| Return on Equity | 14.34% | 14.59% | 14.94% | 14.87% | 16.22% | 17.15% | 16.88% | 10.35% | -452 bps | |
| Net Interest Margin | 3.33% | 3.28% | 3.31% | 3.25% | 3.20% | 3.18% | 3.16% | 2.85% | -40 bps | |
| Efficiency Ratio | 51.15% | 51.15% | 50.90% | 50.27% | 48.47% | 48.94% | 48.07% | 50.56% | +29 bps | |
| Non-Interest Burden | 1.12% | 1.08% | 1.06% | 1.02% | 1.00% | 0.87% | 0.88% | 0.97% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.23% | 6.68% | 3.65% | 2.60% | 2.61% | 2.34% | 4.23% | 15.10% | +1,250 bps | |
| Loan Growth (YoY) | 5.97% | 5.76% | 3.73% | 1.15% | 3.41% | 4.45% | 5.84% | 3.02% | +187 bps | |
| Deposit Growth (YoY) | 3.71% | 9.42% | 8.90% | 8.54% | 8.86% | 7.41% | 6.35% | -3.14% | -1,169 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 | 0.32% | 0.33% | 0.33% | 0.34% | 0.30% | 0.30% | 0.28% | 0.34% | -1 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 11.54% | 11.22% | 10.97% | 10.67% | 10.60% | 10.89% | 10.48% | 11.06% | +39 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 115.72% | 114.77% | 113.67% | 109.98% | 109.92% | 111.62% | 113.12% | 116.98% | +700 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |