Claxton, GA · Cert 15769
FDIC
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Claxton, GA · Cert 15769
FDIC
Q4 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.82% | 0.76% | 0.75% | 0.78% | 0.79% | 0.88% | -0.01% | -76 bps | |
| Return on Equity | 7.44% | 6.63% | 6.12% | 6.11% | 6.40% | 6.39% | 7.00% | -0.09% | -620 bps | |
| Net Interest Margin | 3.92% | 3.78% | 3.62% | 3.49% | 3.50% | 3.61% | 3.69% | 3.81% | +32 bps | |
| Efficiency Ratio | 55.18% | 61.27% | 64.74% | 66.29% | 68.57% | 68.36% | 66.32% | 66.24% | -5 bps | |
| Non-Interest Burden | 1.68% | 2.03% | 2.13% | 2.14% | 2.29% | 2.36% | 2.32% | 3.21% | +106 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.79% | 3.40% | 2.82% | 7.45% | 2.49% | 1.66% | 0.25% | -10.12% | -1,757 bps | |
| Loan Growth (YoY) | -10.54% | -9.48% | -11.75% | -6.90% | -9.17% | -5.05% | -4.31% | -11.99% | -510 bps | |
| Deposit Growth (YoY) | 4.28% | 5.44% | 3.86% | 9.23% | 2.68% | 1.37% | -0.39% | -9.96% | -1,920 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.77% | 0.56% | 0.00% | -0.01% | 0.64% | 1.18% | +63 bps | |
| Allowance / Loans | 2.71% | 2.91% | 2.44% | 2.37% | 2.51% | 2.52% | 2.11% | 1.87% | -50 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 18.60% | 19.46% | 20.15% | 19.19% | 20.15% | 20.29% | 20.53% | 18.98% | -21 bps | |
| Equity / Assets | 12.57% | 12.50% | 12.69% | 11.68% | 12.59% | 12.77% | 13.15% | 11.52% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.85% | 64.32% | 62.49% | 60.12% | 60.90% | 60.25% | 60.02% | 58.76% | -136 bps | |
| Liquid Assets / Assets | 12.74% | 14.07% | 12.90% | 12.30% | 9.54% | 7.79% | 6.59% | 7.47% | -483 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |