SAFE & SOUND® STAR RATINGS

Financial statement

COMPASS BANK
15 SOUTH 20TH STREET
BIRMINGHAM, Alabama 35233

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 697633




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$75,499,512$71,737,435$69,076,722
Loans Receivable, Net53,582,91250,113,40644,530,755
Mortgage-Backed Securities7,501,2727,136,1787,108,022
Investments2,417,4022,174,6661,890,522
Deposits58,335,55654,591,33251,808,481
Borrowings3,403,8663,622,6244,351,780
Equity11,556,87411,254,46410,906,253
Net Interest Income998,4512,055,4272,241,700
Fee Income156,315298,658373,923
Overhead997,5222,064,7382,300,164
Net Operating Income286,771607,842718,919
Net Income207,446432,035494,691
Ratio Analysis Profitability%%%
Return on Assets *0.550.620.75
Operating Return on Assets *0.760.871.09
Return on Equity *3.463.884.60
Net Interest Margin *3.173.393.92
Fee Income / Assets *0.430.430.57
Overhead / Assets *2.802.953.48
Efficiency Ratio75.0575.0175.75
Asset Quality%%%
Nonperforming Assets / Assets0.570.751.28
Nonperforming Assets / Equity & Loss Reserves3.524.487.55
Loss Reserves / Nonperforming Loans203.65156.13107.27
1-4 Fam Mtg + MBS / Assets32.2832.5332.52
Commercial Real Estate Loans / Assets12.5712.9011.95
Construction Loans / Assets2.382.432.74
Commercial & Industrial Loans / Assets21.5420.8518.85
Consumer Loans / Assets4.834.583.97
Capitalization%%%
Equity / Assets15.3115.6915.79
Tangible Capital / Tangible Assets9.049.229.00
Risk-based Capital Ratio12.7713.2313.94
Liquidity%%%
Loans / Deposits91.8591.8085.95
Non-Interest Bearing Deposits / Deposits28.1328.2527.82
Purchased Liabilities17.3616.8017.69

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