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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, 2015
Federal Reserve System Identifier 697633




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$84,681,814$79,624,593$71,737,435
Loans Receivable, Net60,199,25756,841,55950,113,406
Mortgage-Backed Securities7,248,5857,036,4657,136,178
Investments4,382,0794,048,8342,174,666
Deposits64,649,55461,357,47354,591,332
Borrowings4,689,6523,984,1333,622,624
Equity12,106,51411,743,66911,254,464
Net Interest Income1,518,0921,995,5322,055,427
Fee Income227,097317,025298,658
Overhead1,467,9852,035,0612,064,738
Net Operating Income534,597600,529607,842
Net Income390,277438,303432,035
Ratio Analysis Profitability%%%
Return on Assets *0.600.580.62
Operating Return on Assets *0.830.790.87
Return on Equity *4.153.773.88
Net Interest Margin *2.782.953.39
Fee Income / Assets *0.370.420.43
Overhead / Assets *2.462.682.95
Efficiency Ratio71.4675.6875.01
Asset Quality%%%
Nonperforming Assets / Assets0.560.520.75
Nonperforming Assets / Equity & Loss Reserves3.673.304.48
Loss Reserves / Nonperforming Loans180.91204.22156.13
1-4 Fam Mtg + MBS / Assets29.0730.7132.53
Commercial Real Estate Loans / Assets12.5512.4012.90
Construction Loans / Assets2.732.712.43
Commercial & Industrial Loans / Assets21.9422.1320.85
Consumer Loans / Assets5.735.204.58
Capitalization%%%
Equity / Assets14.3014.7515.69
Tangible Capital / Tangible Assets8.768.859.22
Risk-based Capital Ratio13.2312.3713.23
Liquidity%%%
Loans / Deposits93.1292.6491.80
Non-Interest Bearing Deposits / Deposits29.5028.0228.25
Purchased Liabilities18.3515.9916.80

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