Douglasville, GA · Cert 21649
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Douglasville, GA · Cert 21649
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.74% | -0.55% | -1.83% | -0.72% | -0.42% | -0.33% | -2.71% | -0.09% | +63 bps | |
| Return on Equity | -16.08% | -12.07% | -42.41% | -23.40% | -14.03% | -11.10% | -110.77% | -28.84% | -544 bps | |
| Net Interest Margin | 2.00% | 2.13% | 2.18% | 2.19% | 2.19% | 2.19% | 2.23% | 2.15% | -4 bps | |
| Efficiency Ratio | 121.99% | 114.07% | 141.93% | 136.90% | 111.67% | 111.35% | 630% | 100.66% | -3,625 bps | |
| Non-Interest Burden | 2.55% | 2.51% | 3.03% | 2.97% | 2.49% | 2.48% | 4.72% | 2.17% | -80 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.89% | -2.07% | -3.58% | -1.52% | -1.77% | -0.94% | -2.18% | -3.49% | -197 bps | |
| Loan Growth (YoY) | -7.86% | -5.26% | -3.38% | -2.73% | -7.56% | -20.13% | -21.12% | -21.68% | -1,895 bps | |
| Deposit Growth (YoY) | -4.22% | -1.54% | -2.01% | 0.23% | 0.02% | 1.03% | 0.67% | -0.79% | -102 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 | 0.10% | 0.64% | 0.93% | 0.01% | 0.30% | 0.30% | 1.43% | 0.66% | +66 bps | |
| Allowance / Loans | 1.42% | 1.15% | 2.00% | 2.01% | 2.11% | 2.48% | 1.71% | 1.61% | -41 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 | 6.70% | 6.45% | 5.08% | 4.88% | 4.89% | 4.93% | 1.02% | 0.97% | -392 bps | |
| Equity / Assets | 4.52% | 4.53% | 3.19% | 2.94% | 2.89% | 2.80% | 0.34% | 0.26% | -269 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.45% | 71.47% | 71.04% | 69.38% | 66.03% | 56.50% | 55.66% | 54.77% | -1,461 bps | |
| Liquid Assets / Assets | 5.39% | 4.97% | 4.12% | 6.17% | 6.70% | 5.90% | 6.54% | 5.53% | -64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |