Jasper, GA · Cert 16240
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Jasper, GA · Cert 16240
FDIC
Q2 2012
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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.18% | -1.25% | -1.88% | -1.30% | -1.90% | -3.87% | -4.87% | -4.95% | -365 bps | |
| Return on Equity | -2.42% | -17.56% | -32.67% | -21.76% | -31.81% | -71.90% | -208% | -265% | -24,294 bps | |
| Net Interest Margin | 2.26% | 2.13% | 2.00% | 2.14% | 2.19% | 2.15% | 1.69% | 1.81% | -33 bps | |
| Efficiency Ratio | 91.90% | 204% | 116.16% | 141.87% | 227% | 615% | n/a | 574% | +43,231 bps | |
| Non-Interest Burden | 2.05% | 3.41% | 2.36% | 2.98% | 3.89% | 4.60% | 5.34% | 4.23% | +125 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.35% | -9.57% | -11.58% | -12.03% | -7.73% | -4.12% | -4.26% | -5.47% | +655 bps | |
| Loan Growth (YoY) | -22.29% | -17.49% | -19.06% | -19.68% | -8.96% | -7.77% | -9.38% | -11.25% | +842 bps | |
| Deposit Growth (YoY) | -8.75% | -6.49% | -7.60% | -8.27% | -5.47% | -1.23% | -0.25% | 0.97% | +924 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 | 1.36% | 3.51% | 1.34% | 0.69% | 0.69% | 1.29% | 2.98% | 3.22% | +254 bps | |
| Allowance / Loans | 2.79% | 2.67% | 3.19% | 3.08% | 3.58% | 3.26% | 4.33% | 4.53% | +144 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 | 11.74% | 10.09% | 8.99% | 8.28% | 8.20% | 5.50% | 3.63% | 1.08% | -720 bps | |
| Equity / Assets | 8.06% | 6.06% | 5.43% | 6.40% | 6.00% | 3.08% | 1.57% | 0.85% | -555 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.32% | 53.38% | 54.66% | 56.40% | 57.12% | 49.85% | 49.65% | 49.57% | -683 bps | |
| Liquid Assets / Assets | 1.52% | 1.73% | 1.86% | 1.27% | 8.50% | 9.14% | 9.24% | 8.45% | +718 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |