Fort Gordon, GA · Charter 12253
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.90% | 0.32% | -0.02% | 0.40% | 0.20% | 0.24% | 0.08% | 0.05% | -35 bps | |
| Return on Equity | -8.70% | 2.94% | -0.20% | 3.74% | 1.93% | 2.44% | 0.82% | 0.55% | -318 bps | |
| Net Interest Margin | 2.86% | 2.83% | 2.80% | 2.86% | 2.86% | 2.44% | 2.33% | 2.25% | -61 bps | |
| Efficiency Ratio | 91.58% | 76.03% | 83.50% | 92.54% | 88.64% | 104.58% | 102.53% | 100.78% | +825 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.97% | 22.47% | 21.33% | 6.51% | 3.62% | 6.65% | 7.30% | 14.97% | +846 bps | |
| Loan Growth (YoY) | 2.41% | 5.23% | 3.04% | 1.68% | 7.56% | -2.22% | 0.54% | 2.20% | +52 bps | |
| Share Growth (YoY) | 17.15% | 20.31% | 19.63% | 11.57% | 7.80% | 11.98% | 12.08% | 16.48% | +491 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.44% | 0.46% | 0.51% | 0.53% | 0.53% | 0.68% | 0.83% | +32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.00% | 1.00% | 1.00% | 0.87% | 0.84% | 0.59% | 0.60% | 0.60% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.30% | 10.76% | 10.27% | 10.59% | 10.50% | 9.87% | 9.56% | 9.13% | -147 bps | |
| Net Worth / Assets | 10.30% | 10.76% | 10.27% | 10.59% | 10.50% | 9.87% | 9.56% | 9.13% | -147 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.26% | 38.99% | 37.59% | 36.39% | 38.18% | 34.04% | 33.72% | 31.93% | -446 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 98.71% | 99.85% | 97.13% | +9,713 bps | |