Selma, AL · Cert 860
FDIC
Q3 2007
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 1.35% | 1.29% | 1.18% | 1.05% | 1.10% | 0.80% | 0.91% | -26 bps | |
| Return on Equity | 10.12% | 14.35% | 13.94% | 12.72% | 11.44% | 12.25% | 8.94% | 10.24% | -248 bps | |
| Net Interest Margin | 3.32% | 3.42% | 3.37% | 3.31% | 3.30% | 3.28% | 3.35% | 3.35% | +5 bps | |
| Efficiency Ratio | 72.74% | 62.46% | 62.88% | 64.19% | 66.32% | 64.53% | 71.07% | 64.85% | +67 bps | |
| Non-Interest Burden | 2.14% | 1.71% | 1.74% | 1.76% | 1.85% | 1.65% | 2.17% | 1.82% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.98% | 5.15% | 11.10% | 9.73% | 12.27% | 12.64% | 7.71% | 6.80% | -292 bps | |
| Loan Growth (YoY) | 13.12% | 22.13% | 26.88% | 22.11% | 27.51% | 18.74% | 13.66% | 8.73% | -1,338 bps | |
| Deposit Growth (YoY) | 3.28% | 4.95% | 11.93% | 8.89% | 11.72% | 13.99% | 8.52% | 7.46% | -144 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 | 0.35% | -0.07% | -0.01% | 0.02% | 0.05% | -0.02% | 0.00% | 0.21% | +19 bps | |
| Allowance / Loans | 1.34% | 1.16% | 0.99% | 1.03% | 1.01% | 1.05% | 1.08% | 1.08% | +5 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 | 13.63% | 13.19% | 12.54% | 12.50% | 12.04% | 11.88% | 11.36% | 11.74% | -76 bps | |
| Equity / Assets | 9.39% | 9.48% | 9.03% | 9.17% | 8.92% | 8.98% | 8.88% | 8.95% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.00% | 78.24% | 80.12% | 79.65% | 82.17% | 81.51% | 83.91% | 80.59% | +94 bps | |
| Liquid Assets / Assets | 1.14% | 0.74% | 1.45% | 2.77% | 0.44% | 4.60% | 3.71% | 3.97% | +120 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |