Woodstock, GA · Cert 32711
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 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.
Woodstock, GA · Cert 32711
FDIC
Q2 2012
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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.52% | -2.10% | -3.41% | -2.31% | -3.31% | -3.26% | -3.93% | -4.23% | -193 bps | |
| Return on Equity | -34.27% | -48.23% | -88.13% | -60.67% | -96.02% | -101.13% | -229% | -348% | -28,710 bps | |
| Net Interest Margin | 2.47% | 2.42% | 2.36% | 2.47% | 2.56% | 2.72% | 2.78% | 2.81% | +34 bps | |
| Efficiency Ratio | 143.23% | 157.75% | 166.48% | 148.96% | 244% | 212% | 135.78% | 156.76% | +780 bps | |
| Non-Interest Burden | 3.87% | 4.12% | 4.27% | 4.02% | 5.49% | 5.57% | 4.08% | 4.92% | +90 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.66% | -9.63% | -1.52% | -2.17% | -1.84% | -10.56% | -11.00% | -14.33% | -1,217 bps | |
| Loan Growth (YoY) | -12.90% | -10.23% | -8.69% | -7.52% | -7.57% | -9.62% | -9.66% | -13.37% | -585 bps | |
| Deposit Growth (YoY) | -9.82% | -7.27% | -1.52% | -1.32% | 0.39% | -10.04% | -9.67% | -12.44% | -1,111 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 | 2.91% | 3.16% | 3.06% | 1.63% | 1.34% | 1.70% | -0.20% | 2.49% | +85 bps | |
| Allowance / Loans | 3.18% | 2.70% | 2.61% | 2.64% | 2.53% | 2.32% | 3.55% | 3.13% | +49 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 | 7.66% | 7.03% | 6.69% | 6.36% | 4.61% | 4.18% | 2.93% | 0.28% | -609 bps | |
| Equity / Assets | 4.71% | 4.08% | 3.65% | 3.67% | 2.36% | 2.22% | 1.22% | 0.15% | -352 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.44% | 75.74% | 72.82% | 73.16% | 70.38% | 76.09% | 72.83% | 72.39% | -78 bps | |
| Liquid Assets / Assets | 11.24% | 11.36% | 14.12% | 12.52% | 15.42% | 9.64% | 13.76% | 13.47% | +95 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |