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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 December 31, 2014
Federal Reserve System Identifier 697633




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$79,624,593$71,737,435$69,076,722
Loans Receivable, Net56,841,55950,113,40644,530,755
Mortgage-Backed Securities7,036,4657,136,1787,108,022
Investments4,048,8342,174,6661,890,522
Deposits61,357,47354,591,33251,808,481
Borrowings3,984,1333,622,6244,351,780
Equity11,743,66911,254,46410,906,253
Net Interest Income1,995,5322,055,4272,241,700
Fee Income317,025298,658373,923
Overhead2,035,0612,064,7382,300,164
Net Operating Income600,529607,842718,919
Net Income438,303432,035494,691
Ratio Analysis Profitability%%%
Return on Assets *0.580.620.75
Operating Return on Assets *0.790.871.09
Return on Equity *3.773.884.60
Net Interest Margin *2.953.393.92
Fee Income / Assets *0.420.430.57
Overhead / Assets *2.682.953.48
Efficiency Ratio75.6875.0175.75
Asset Quality%%%
Nonperforming Assets / Assets0.520.751.28
Nonperforming Assets / Equity & Loss Reserves3.304.487.55
Loss Reserves / Nonperforming Loans204.22156.13107.27
1-4 Fam Mtg + MBS / Assets30.7132.5332.52
Commercial Real Estate Loans / Assets12.4012.9011.95
Construction Loans / Assets2.712.432.74
Commercial & Industrial Loans / Assets22.1320.8518.85
Consumer Loans / Assets5.204.583.97
Capitalization%%%
Equity / Assets14.7515.6915.79
Tangible Capital / Tangible Assets8.859.229.00
Risk-based Capital Ratio12.3713.2313.94
Liquidity%%%
Loans / Deposits92.6491.8085.95
Non-Interest Bearing Deposits / Deposits28.0228.2527.82
Purchased Liabilities15.9916.8017.69

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