Savannah, GA · Cert 33120
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36% | 0.17% | -0.17% | 0.06% | -1.72% | -208 bps | |
| Return on Equity | 4.12% | 1.94% | -1.89% | 0.70% | -19.00% | -2,312 bps | |
| Net Interest Margin | 3.71% | 3.70% | 3.57% | 3.64% | 3.64% | -7 bps | |
| Efficiency Ratio | 55.65% | 56.14% | 59.06% | 58.92% | 66.14% | +1,048 bps | |
| Non-Interest Burden | 2.02% | 2.03% | 2.10% | 2.09% | 2.39% | +37 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.64% | -7.42% | -6.43% | -4.51% | -7.84% | +280 bps | |
| Loan Growth (YoY) | -2.90% | -6.77% | -8.12% | -8.95% | -12.46% | -956 bps | |
| Deposit Growth (YoY) | -12.00% | -8.87% | -7.87% | -4.81% | -7.02% | +499 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.58% | 1.82% | 2.89% | 2.12% | 2.64% | +105 bps | |
| Allowance / Loans | 2.31% | 2.48% | 2.39% | 2.50% | 2.45% | +14 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 13.01% | 13.01% | 13.09% | 13.56% | 12.96% | -5 bps | |
| Equity / Assets | 9.17% | 9.04% | 9.19% | 9.43% | 8.51% | -66 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.45% | 89.89% | 90.10% | 89.28% | 87.98% | -547 bps | |
| Liquid Assets / Assets | 4.85% | 8.15% | 7.87% | 8.17% | 10.45% | +560 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |