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SAFE & SOUND® STAR RATINGS

COMPASS BANK

15 SOUTH 20TH STREET
BIRMINGHAM, Alabama 35233

STAR RATING: 3 starstarstar
Predictive Indicator + (improve)
As of March 31, 2016
Federal Reserve System Identifier 697633




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$87,629,324$85,426,845$79,624,593
Loans Receivable, Net61,379,03460,631,99356,841,559
Mortgage-Backed Securities8,155,6287,399,4657,036,465
Investments3,822,1974,370,1884,048,834
Deposits69,214,09766,265,76361,357,473
Borrowings2,839,9633,939,8073,984,133
Equity12,193,71712,072,90411,743,669
Net Interest Income523,6382,028,5571,995,532
Fee Income77,013306,460317,025
Overhead520,4621,991,8712,035,061
Net Operating Income77,512640,906600,529
Net Income53,466478,174438,303
Ratio Analysis Profitability%%%
Return on Assets *0.470.570.58
Operating Return on Assets *0.630.770.79
Return on Equity *3.283.983.77
Net Interest Margin *2.692.732.95
Fee Income / Assets *0.370.370.42
Overhead / Assets *2.392.392.68
Efficiency Ratio74.0572.5375.68
Asset Quality%%%
Nonperforming Assets / Assets1.020.580.52
Nonperforming Assets / Equity & Loss Reserves6.883.853.30
Loss Reserves / Nonperforming Loans98.46178.45204.22
1-4 Fam Mtg + MBS / Assets28.7029.0430.71
Commercial Real Estate Loans / Assets12.1512.2412.40
Construction Loans / Assets2.752.762.71
Commercial & Industrial Loans / Assets22.5722.1322.13
Consumer Loans / Assets5.915.915.20
Capitalization%%%
Equity / Assets13.9214.1314.75
Tangible Capital / Tangible Assets8.588.668.85
Risk-based Capital Ratio13.1413.1412.37
Liquidity%%%
Loans / Deposits88.6891.5092.64
Non-Interest Bearing Deposits / Deposits29.7729.3128.02
Purchased Liabilities15.0115.5615.99

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