SAFE & SOUND® STAR RATINGS

Financial statement

COMPASS BANK
15 SOUTH 20TH STREET
BIRMINGHAM, Alabama 35233

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 697633




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$74,640,511$71,737,435$69,076,722
Loans Receivable, Net52,088,12250,113,40644,530,755
Mortgage-Backed Securities7,231,0767,136,1787,108,022
Investments2,287,8002,174,6661,890,522
Deposits57,243,25754,591,33251,808,481
Borrowings3,596,9523,622,6244,351,780
Equity11,490,88711,254,46410,906,253
Net Interest Income497,3022,055,4272,241,700
Fee Income77,650298,658373,923
Overhead485,8732,064,7382,300,164
Net Operating Income150,237607,842718,919
Net Income103,711432,035494,691
Ratio Analysis Profitability%%%
Return on Assets *0.590.620.75
Operating Return on Assets *0.830.871.09
Return on Equity *3.703.884.60
Net Interest Margin *3.273.393.92
Fee Income / Assets *0.410.430.57
Overhead / Assets *2.862.953.48
Efficiency Ratio73.9475.0175.75
Asset Quality%%%
Nonperforming Assets / Assets0.650.751.28
Nonperforming Assets / Equity & Loss Reserves3.974.487.55
Loss Reserves / Nonperforming Loans178.41156.13107.27
1-4 Fam Mtg + MBS / Assets31.6532.5332.52
Commercial Real Estate Loans / Assets12.6112.9011.95
Construction Loans / Assets2.332.432.74
Commercial & Industrial Loans / Assets21.1220.8518.85
Consumer Loans / Assets4.554.583.97
Capitalization%%%
Equity / Assets15.3915.6915.79
Tangible Capital / Tangible Assets9.049.229.00
Risk-based Capital Ratio12.9113.2313.94
Liquidity%%%
Loans / Deposits90.9991.8085.95
Non-Interest Bearing Deposits / Deposits28.5728.2527.82
Purchased Liabilities18.2216.8017.69

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