Jasper, GA · Cert 16240
FDIC
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.93% | -4.72% | -1.88% | -0.69% | -3.17% | -10.03% | -4.87% | -5.02% | -433 bps | |
| Return on Equity | -11.93% | -66.99% | -32.67% | -11.75% | -51.15% | -223% | -208% | -412% | -40,074 bps | |
| Net Interest Margin | 2.15% | 1.56% | 2.00% | 2.15% | 2.17% | 2.10% | 1.69% | 1.82% | -33 bps | |
| Efficiency Ratio | 100.20% | 204% | 116.16% | 179.69% | 227% | 615% | n/a | 140.45% | -3,924 bps | |
| Non-Interest Burden | 2.15% | 7.32% | 2.36% | 3.45% | 5.53% | 6.88% | 5.34% | 2.76% | -68 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 | 3.17% | 9.78% | 1.34% | 0.01% | 0.70% | 3.00% | 2.98% | 3.33% | +333 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 |