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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 September 30, 2014
Federal Reserve System Identifier 697633




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$78,121,432$71,737,435$69,076,722
Loans Receivable, Net54,504,23750,113,40644,530,755
Mortgage-Backed Securities7,240,3517,136,1787,108,022
Investments3,018,2812,174,6661,890,522
Deposits60,433,61454,591,33251,808,481
Borrowings3,732,6183,622,6244,351,780
Equity11,667,83111,254,46410,906,253
Net Interest Income1,482,9032,055,4272,241,700
Fee Income237,547298,658373,923
Overhead1,493,5112,064,7382,300,164
Net Operating Income457,827607,842718,919
Net Income333,954432,035494,691
Ratio Analysis Profitability%%%
Return on Assets *0.560.620.75
Operating Return on Assets *0.770.871.09
Return on Equity *3.633.884.60
Net Interest Margin *3.103.393.92
Fee Income / Assets *0.430.430.57
Overhead / Assets *2.772.953.48
Efficiency Ratio75.0475.0175.75
Asset Quality%%%
Nonperforming Assets / Assets0.550.751.28
Nonperforming Assets / Equity & Loss Reserves3.484.487.55
Loss Reserves / Nonperforming Loans195.65156.13107.27
1-4 Fam Mtg + MBS / Assets31.1532.5332.52
Commercial Real Estate Loans / Assets12.1812.9011.95
Construction Loans / Assets2.542.432.74
Commercial & Industrial Loans / Assets21.0220.8518.85
Consumer Loans / Assets5.044.583.97
Capitalization%%%
Equity / Assets14.9415.6915.79
Tangible Capital / Tangible Assets8.909.229.00
Risk-based Capital Ratio12.8213.2313.94
Liquidity%%%
Loans / Deposits90.1991.8085.95
Non-Interest Bearing Deposits / Deposits28.1528.2527.82
Purchased Liabilities16.2116.8017.69

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