Montgomery, AL · Cert 9609
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Montgomery, AL · Cert 9609
FDIC
Q2 2009
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 0.80% | 0.42% | 0.18% | -0.19% | -3.24% | -2.55% | -5.70% | -587 bps | |
| Return on Equity | 11.06% | 8.69% | 4.84% | 1.99% | -2.13% | -38.72% | -45.55% | -115.14% | -11,714 bps | |
| Net Interest Margin | 3.22% | 3.06% | 2.67% | 2.67% | 2.71% | 2.58% | 1.91% | 1.87% | -80 bps | |
| Efficiency Ratio | 54.59% | 55.26% | 68.54% | 68.68% | 69.38% | 73.18% | 80.45% | 101.69% | +3,301 bps | |
| Non-Interest Burden | 1.42% | 1.37% | 1.67% | 1.66% | 1.71% | 3.94% | 1.90% | 2.75% | +109 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.57% | 14.11% | 18.61% | 9.31% | 7.05% | -1.15% | -3.43% | -2.05% | -1,136 bps | |
| Loan Growth (YoY) | -2.31% | 3.00% | 18.73% | -0.27% | 4.73% | -5.58% | -11.41% | -4.20% | -393 bps | |
| Deposit Growth (YoY) | 6.92% | 15.02% | 18.24% | 8.14% | 10.80% | 2.44% | 7.97% | 11.10% | +296 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 | 0.18% | 0.32% | 0.71% | 1.22% | 1.76% | 3.90% | 3.11% | 4.07% | +285 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 | 11.09% | 10.56% | 10.81% | 12.65% | 12.70% | 11.37% | 10.78% | 9.21% | -344 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 | 100.12% | 96.44% | 101.47% | 96.90% | 94.63% | 88.89% | 83.27% | 83.56% | -1,334 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.63% | +63 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |