Richmond Hill, GA · Cert 32744
FDIC
Q3 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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.42% | 0.30% | -1.24% | -0.56% | -0.35% | -0.46% | 0.00% | -1.60% | -104 bps | |
| Return on Equity | -4.85% | 3.62% | -14.88% | -6.72% | -4.21% | -5.34% | 0.05% | -18.65% | -1,193 bps | |
| Net Interest Margin | 3.86% | 3.85% | 3.93% | 4.08% | 4.01% | 4.07% | 3.98% | 4.08% | 0 bps | |
| Efficiency Ratio | 50.04% | 52.50% | 57.22% | 54.70% | 55.04% | 66.05% | 65.55% | 75.12% | +2,042 bps | |
| Non-Interest Burden | 1.72% | 1.86% | 2.22% | 2.14% | 2.11% | 2.79% | 2.65% | 3.13% | +99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.15% | -1.84% | -4.37% | -6.82% | -7.64% | -5.31% | -4.85% | -11.08% | -426 bps | |
| Loan Growth (YoY) | -5.31% | -6.69% | -7.98% | -10.79% | -10.73% | -11.12% | -12.58% | -13.39% | -261 bps | |
| Deposit Growth (YoY) | 6.97% | 0.77% | -3.51% | -6.53% | -7.33% | -5.42% | -3.89% | -11.28% | -475 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 | 2.96% | 0.72% | 2.30% | 2.47% | 3.85% | 0.11% | 0.34% | 1.45% | -102 bps | |
| Allowance / Loans | 2.64% | 3.04% | 4.02% | 3.97% | 2.61% | 3.36% | 3.54% | 3.03% | -94 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 | 11.93% | 12.20% | 10.81% | 11.39% | 12.09% | 11.60% | 12.26% | 12.36% | +97 bps | |
| Equity / Assets | 8.28% | 8.52% | 8.13% | 8.49% | 8.61% | 8.48% | 8.82% | 8.33% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.79% | 88.99% | 92.00% | 88.40% | 85.53% | 83.63% | 83.68% | 86.30% | -210 bps | |
| Liquid Assets / Assets | 3.75% | 6.40% | 5.44% | 6.98% | 9.25% | 12.20% | 11.36% | 9.42% | +244 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |