SAFE & SOUND® STAR RATINGS

Financial statement

COMPASS BANK
15 SOUTH 20TH STREET
BIRMINGHAM, Alabama 35233

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 697633




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$71,737,435$69,076,722$63,106,987
Loans Receivable, Net50,113,40644,530,75541,061,239
Mortgage-Backed Securities7,136,1787,108,0227,148,731
Investments2,174,6661,890,5221,622,336
Deposits54,591,33251,808,48146,232,367
Borrowings3,622,6244,351,7804,293,839
Equity11,254,46410,906,25310,415,459
Net Interest Income2,055,4272,241,7002,338,597
Fee Income298,658373,923402,461
Overhead2,064,7382,300,1644,318,641
Net Operating Income607,842718,919-1,610,548
Net Income432,035494,691-1,712,354
Ratio Analysis Profitability%%%
Return on Assets *0.620.75-2.69
Operating Return on Assets *0.871.09-2.53
Return on Equity *3.884.60-14.52
Net Interest Margin *3.393.924.55
Fee Income / Assets *0.430.570.63
Overhead / Assets *2.953.486.81
Efficiency Ratio75.0175.75139.75
Asset Quality%%%
Nonperforming Assets / Assets0.751.282.62
Nonperforming Assets / Equity & Loss Reserves4.487.5514.40
Loss Reserves / Nonperforming Loans156.13107.272.56
1-4 Fam Mtg + MBS / Assets32.5332.5233.19
Commercial Real Estate Loans / Assets12.9011.9512.73
Construction Loans / Assets2.432.746.14
Commercial & Industrial Loans / Assets20.8518.8517.71
Consumer Loans / Assets4.583.973.92
Capitalization%%%
Equity / Assets15.6915.7916.50
Tangible Capital / Tangible Assets9.229.008.93
Risk-based Capital Ratio13.2313.9414.24
Liquidity%%%
Loans / Deposits91.8085.9588.81
Non-Interest Bearing Deposits / Deposits28.2527.8227.47
Purchased Liabilities16.8017.6920.45

* Calculations are based on the latest four quarters of income and expense.
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