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SAFE & SOUND® STAR RATINGS

COMPASS BANK

15 SOUTH 20TH STREET
BIRMINGHAM, Alabama 35233

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 697633




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$81,735,909$79,624,593$71,737,435
Loans Receivable, Net58,055,08756,841,55950,113,406
Mortgage-Backed Securities6,751,8097,036,4657,136,178
Investments4,224,9144,048,8342,174,666
Deposits63,064,57761,357,47354,591,332
Borrowings4,084,3473,984,1333,622,624
Equity11,903,14711,743,66911,254,464
Net Interest Income512,0541,995,5322,055,427
Fee Income73,211317,025298,658
Overhead486,6182,035,0612,064,738
Net Operating Income184,791600,529607,842
Net Income135,775438,303432,035
Ratio Analysis Profitability%%%
Return on Assets *0.600.580.62
Operating Return on Assets *0.810.790.87
Return on Equity *4.013.773.88
Net Interest Margin *2.892.953.39
Fee Income / Assets *0.400.420.43
Overhead / Assets *2.612.682.95
Efficiency Ratio71.4775.6875.01
Asset Quality%%%
Nonperforming Assets / Assets0.540.520.75
Nonperforming Assets / Equity & Loss Reserves3.513.304.48
Loss Reserves / Nonperforming Loans189.56204.22156.13
1-4 Fam Mtg + MBS / Assets29.7430.7132.53
Commercial Real Estate Loans / Assets12.1312.4012.90
Construction Loans / Assets2.852.712.43
Commercial & Industrial Loans / Assets22.0722.1320.85
Consumer Loans / Assets5.385.204.58
Capitalization%%%
Equity / Assets14.5614.7515.69
Tangible Capital / Tangible Assets8.838.859.22
Risk-based Capital Ratio12.1412.3713.23
Liquidity%%%
Loans / Deposits92.0692.6491.80
Non-Interest Bearing Deposits / Deposits29.5328.0228.25
Purchased Liabilities15.7115.9916.80

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