Stockbridge, GA · Cert 19252
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.
Stockbridge, GA · Cert 19252
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 | 2.40% | -0.28% | -0.72% | -1.05% | -0.60% | -0.23% | -2.54% | -2.12% | -106 bps | |
| Return on Equity | 60.77% | -7.24% | -19.17% | -29.84% | -23.13% | -8.64% | -109.60% | -102.51% | -7,266 bps | |
| Net Interest Margin | 1.78% | 1.71% | 1.70% | 1.68% | 1.60% | 1.68% | 1.76% | 1.71% | +3 bps | |
| Efficiency Ratio | 101.34% | 162.93% | 155.73% | 164.95% | 131.34% | 107.13% | 128.89% | 130.42% | -3,452 bps | |
| Non-Interest Burden | 1.81% | 2.57% | 2.56% | 2.69% | 2.19% | 1.84% | 2.31% | 2.28% | -42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.09% | -13.86% | -13.62% | -8.25% | -4.23% | -2.74% | -4.70% | -8.33% | -9 bps | |
| Loan Growth (YoY) | -21.25% | -17.92% | -15.79% | -12.67% | -11.58% | -11.41% | -12.79% | -9.50% | +317 bps | |
| Deposit Growth (YoY) | -5.99% | -11.67% | -11.03% | -7.05% | -2.24% | -1.88% | -2.54% | -6.54% | +51 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 | -3.14% | 0.59% | 0.45% | 0.96% | 2.81% | 2.60% | 3.01% | 2.32% | +136 bps | |
| Allowance / Loans | 3.28% | 2.80% | 3.06% | 2.85% | 2.23% | 1.75% | 3.57% | 3.72% | +87 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 | 6.17% | 5.52% | 4.95% | 4.35% | 4.18% | 4.21% | 1.92% | 1.51% | -285 bps | |
| Equity / Assets | 4.23% | 3.63% | 3.38% | 2.68% | 2.54% | 2.90% | 1.10% | 0.95% | -173 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.46% | 73.64% | 75.15% | 69.81% | 66.45% | 66.49% | 67.24% | 67.60% | -221 bps | |
| Liquid Assets / Assets | 5.84% | 6.22% | 3.21% | 4.25% | 4.89% | 4.20% | 6.18% | 4.69% | +43 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |