Gadsden, AL · Charter 24665
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Gadsden, AL · Charter 24665
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.04% | 0.08% | 0.35% | 0.46% | 0.52% | 0.57% | 0.62% | +28 bps | |
| Return on Equity | 5.05% | 0.32% | 0.75% | 3.23% | 4.16% | 4.97% | 5.41% | 5.86% | +263 bps | |
| Net Interest Margin | 3.95% | 3.73% | 3.69% | 3.50% | 3.71% | 3.83% | 3.60% | 3.62% | +12 bps | |
| Efficiency Ratio | 79.56% | 85.26% | 84.75% | 80.80% | 79.44% | 83.16% | 82.93% | 82.35% | +155 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.75% | 15.30% | 13.40% | 14.38% | 9.00% | 9.83% | 10.48% | 7.16% | -722 bps | |
| Loan Growth (YoY) | 7.87% | 1.70% | 1.46% | 4.32% | 3.52% | 4.70% | 3.97% | 3.54% | -78 bps | |
| Share Growth (YoY) | 9.79% | 16.27% | 14.08% | 15.53% | 9.71% | 10.18% | 10.79% | 6.35% | -918 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.55% | 2.31% | 1.93% | 1.69% | 2.34% | 1.49% | 1.66% | 1.65% | -5 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 | 0.89% | 0.98% | 0.98% | 1.03% | 1.08% | 1.08% | 1.01% | 0.98% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.40% | 10.83% | 10.83% | 10.71% | 11.06% | 10.41% | 10.47% | 10.64% | -7 bps | |
| Net Worth / Assets | 11.40% | 10.83% | 10.83% | 10.71% | 11.06% | 10.41% | 10.47% | 10.64% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.54% | 74.33% | 75.14% | 73.63% | 76.00% | 70.64% | 70.51% | 71.69% | -194 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |