Ailey, GA · Cert 19498
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 | -1.65% | -0.41% | -5.81% | -13.02% | -3.11% | -4.60% | -8.76% | -50.58% | -3,756 bps | |
| Return on Equity | -107.52% | -9.31% | -88.44% | -289% | -109.70% | -194.96% | -420% | 1263% | +155,185 bps | |
| Net Interest Margin | 1.10% | 1.55% | 1.54% | 1.63% | 2.25% | 1.50% | 2.24% | 1.99% | +36 bps | |
| Efficiency Ratio | 194.00% | 109.90% | n/a | n/a | 197.55% | 261% | n/a | 1639% | n/a | |
| Non-Interest Burden | 2.92% | 1.98% | 5.98% | 7.22% | 4.40% | 4.10% | 9.99% | 43.23% | +3,600 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.37% | -6.34% | -3.66% | -7.62% | -14.26% | -20.84% | -23.70% | -27.17% | -1,955 bps | |
| Loan Growth (YoY) | -19.70% | -15.79% | -14.23% | -13.16% | -9.28% | -13.57% | -19.47% | -18.79% | -563 bps | |
| Deposit Growth (YoY) | -7.51% | -5.77% | -5.66% | -8.85% | -15.63% | -16.71% | -21.08% | -17.12% | -826 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 | 1.10% | 1.37% | 2.62% | 11.70% | 2.74% | 3.97% | 10.23% | 3.72% | -798 bps | |
| Allowance / Loans | 2.59% | 2.34% | 2.35% | 2.80% | 2.52% | 2.75% | 0.90% | 2.70% | -10 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 | 3.09% | 11.67% | 9.93% | 5.66% | 4.59% | 3.91% | 3.65% | -14.34% | -2,000 bps | |
| Equity / Assets | 1.34% | 7.25% | 5.88% | 3.02% | 2.62% | 2.09% | 2.08% | -10.90% | -1,393 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.86% | 63.70% | 61.94% | 62.03% | 69.74% | 66.11% | 63.21% | 60.78% | -126 bps | |
| Liquid Assets / Assets | 0.26% | 0.29% | 15.65% | 15.40% | 4.80% | 8.09% | 4.26% | 9.62% | -578 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |