Claxton, GA · Cert 15769
FDIC
Q4 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.73% | 0.64% | 0.73% | 0.78% | 0.81% | 1.06% | -2.79% | -353 bps | |
| Return on Equity | 7.44% | 5.84% | 5.09% | 6.03% | 6.40% | 6.40% | 8.16% | -22.62% | -2,865 bps | |
| Net Interest Margin | 3.92% | 3.67% | 3.47% | 3.42% | 3.50% | 3.69% | 3.87% | 3.77% | +35 bps | |
| Efficiency Ratio | 55.18% | 68.59% | 72.56% | 71.32% | 68.57% | 68.16% | 62.62% | 65.98% | -534 bps | |
| Non-Interest Burden | 1.68% | 2.41% | 2.43% | 2.35% | 2.29% | 2.42% | 2.23% | 5.61% | +326 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% | 2.33% | -0.01% | 0.00% | -0.01% | 1.94% | 2.70% | +272 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 |