Warner Robins, GA · Charter 17517
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Warner Robins, GA · Charter 17517
Q3 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.69% | -0.91% | -1.72% | -2.41% | -2.98% | -10.61% | -76.52% | -7,481 bps | |
| Return on Equity | 1.23% | 1.12% | -1.52% | -2.85% | -4.18% | -5.09% | -20.33% | -76.95% | -7,409 bps | |
| Net Interest Margin | 6.56% | 6.59% | 5.24% | 4.41% | 3.51% | 3.06% | 0.34% | -52.27% | -5,668 bps | |
| Efficiency Ratio | 88.32% | 90.18% | 119.57% | 139.83% | 167.97% | 198.28% | 1065% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.27% | -2.21% | -3.01% | -4.52% | -1.40% | -1.58% | 6.34% | -62.42% | -5,790 bps | |
| Loan Growth (YoY) | 2.50% | -2.27% | -16.13% | -39.20% | -55.10% | -76.18% | -79.63% | -98.68% | -5,948 bps | |
| Share Growth (YoY) | -2.90% | -7.98% | -6.22% | -8.63% | 1.74% | 7.77% | 28.72% | -100.00% | -9,137 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.32% | 3.00% | 1.62% | 3.70% | 1.03% | 6.14% | 63.61% | +6,199 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 | 0.95% | 0.76% | 0.87% | 1.02% | 1.16% | 1.15% | 1.05% | 1.00% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 59.35% | 61.87% | 60.21% | 60.23% | 57.73% | 58.53% | 52.18% | 99.45% | +3,922 bps | |
| Net Worth / Assets | 59.35% | 61.87% | 60.21% | 60.23% | 57.73% | 58.53% | 52.18% | 99.45% | +3,922 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 110.78% | 133.89% | 97.49% | 73.86% | 48.89% | 29.59% | 15.43% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |