Stockbridge, GA · Cert 19252
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 | 2.40% | -3.04% | -1.63% | -2.12% | -0.60% | 0.14% | -7.28% | -0.74% | +138 bps | |
| Return on Equity | 60.77% | -77.10% | -46.53% | -70.11% | -23.13% | 5.03% | -360% | -72.51% | -240 bps | |
| Net Interest Margin | 1.78% | 1.60% | 1.60% | 1.52% | 1.60% | 1.77% | 1.82% | 1.55% | +3 bps | |
| Efficiency Ratio | 101.34% | 447% | 144.65% | 191.85% | 131.34% | 88.73% | 209% | 135.41% | -5,645 bps | |
| Non-Interest Burden | 1.81% | 3.27% | 2.41% | 2.98% | 2.19% | 1.49% | 3.15% | 2.18% | -81 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% | 4.39% | 0.16% | 2.42% | 2.81% | 2.33% | 3.73% | -0.03% | -245 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 |