Albany, GA · Charter 12999
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 | 0.15% | -0.05% | 0.50% | 2.62% | 1.85% | 1.67% | 1.63% | 1.71% | -91 bps | |
| Return on Equity | 1.75% | -0.63% | 5.98% | 30.55% | 19.73% | 17.76% | 17.04% | 17.72% | -1,282 bps | |
| Net Interest Margin | 4.84% | 4.80% | 4.66% | 4.23% | 4.60% | 4.01% | 3.97% | 3.86% | -37 bps | |
| Efficiency Ratio | 73.32% | 66.26% | 68.26% | 74.26% | 73.79% | 74.15% | 75.96% | 75.92% | +167 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.82% | 13.62% | 17.44% | 17.42% | 12.95% | 17.07% | 17.77% | 16.88% | -55 bps | |
| Loan Growth (YoY) | 13.14% | 12.38% | 6.38% | 6.77% | 4.49% | 4.68% | 8.93% | 6.97% | +21 bps | |
| Share Growth (YoY) | 3.13% | 16.47% | 25.42% | 16.67% | 12.87% | 16.37% | 16.91% | 17.22% | +55 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.45% | 1.24% | 1.57% | 0.77% | 1.14% | 2.27% | 2.40% | 1.11% | +34 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 | 2.38% | 2.93% | 2.53% | 1.92% | 1.54% | 1.30% | 1.13% | 0.80% | -112 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.57% | 7.96% | 8.35% | 8.58% | 9.38% | 9.37% | 9.55% | 9.63% | +106 bps | |
| Net Worth / Assets | 8.57% | 7.96% | 8.35% | 8.58% | 9.38% | 9.37% | 9.55% | 9.63% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.13% | 83.36% | 81.41% | 78.04% | 79.73% | 74.99% | 75.86% | 71.22% | -682 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |