Decatur, GA · Charter 19384
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.
Decatur, GA · Charter 19384
Q4 2011
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 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.49% | -0.80% | -0.85% | -1.42% | -7.08% | -3.66% | -2.93% | -4.70% | -328 bps | |
| Return on Equity | -3.96% | -6.45% | -7.21% | -12.69% | -88.84% | -46.80% | -38.63% | -86.73% | -7,404 bps | |
| Net Interest Margin | 3.61% | 3.71% | 3.72% | 3.56% | 3.22% | 3.24% | 3.17% | 3.27% | -30 bps | |
| Efficiency Ratio | 92.47% | 94.68% | 94.30% | 104.40% | 96.17% | 96.26% | 103.97% | 122.24% | +1,784 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.89% | 5.13% | 2.63% | 1.23% | -2.28% | 2.62% | -3.00% | -3.88% | -511 bps | |
| Loan Growth (YoY) | -5.76% | -3.04% | -9.63% | -13.09% | -15.22% | -24.84% | -19.47% | -15.61% | -252 bps | |
| Share Growth (YoY) | 8.70% | 7.11% | 4.51% | 3.72% | 3.61% | 9.23% | 1.39% | 0.85% | -287 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.11% | 0.59% | 2.68% | 6.87% | 8.73% | 10.45% | 4.57% | 3.30% | -358 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 | 1.28% | 1.24% | 1.43% | 2.41% | 7.28% | 5.76% | 5.45% | 7.08% | +467 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.37% | 12.45% | 11.73% | 11.16% | 7.97% | 7.82% | 7.60% | 5.42% | -574 bps | |
| Net Worth / Assets | 12.37% | 12.45% | 11.73% | 11.16% | 7.97% | 7.82% | 7.60% | 5.42% | -574 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.27% | 62.91% | 54.44% | 52.25% | 47.68% | 43.29% | 43.24% | 43.73% | -853 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |