Savannah, GA · Cert 33120
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | 0.13% | 0.37% | 0.60% | -0.42% | -0.17% | 0.30% | -5.42% | -602 bps | |
| Return on Equity | 0.70% | 1.53% | 4.19% | 6.58% | -4.57% | -1.89% | 3.27% | -60.40% | -6,697 bps | |
| Net Interest Margin | 3.31% | 3.40% | 3.69% | 3.74% | 3.62% | 3.57% | 3.63% | 3.53% | -21 bps | |
| Efficiency Ratio | 58.67% | 55.39% | 56.73% | 54.84% | 57.63% | 59.06% | 58.79% | 82.26% | +2,742 bps | |
| Non-Interest Burden | 1.88% | 1.77% | 2.09% | 2.03% | 2.04% | 2.10% | 2.03% | 2.92% | +90 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.71% | -0.46% | -22.90% | -10.64% | -7.42% | -6.43% | -4.51% | -7.84% | +280 bps | |
| Loan Growth (YoY) | -6.40% | -4.80% | -3.37% | -2.90% | -6.77% | -8.12% | -8.95% | -12.46% | -956 bps | |
| Deposit Growth (YoY) | 3.99% | -0.77% | -24.69% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.37% | 1.17% | 2.10% | 1.42% | 2.35% | 2.89% | 1.28% | 3.44% | +202 bps | |
| Allowance / Loans | 2.21% | 2.43% | 2.32% | 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 | 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 | 12.44% | 12.59% | 12.92% | 13.01% | 13.01% | 13.09% | 13.56% | 12.96% | -5 bps | |
| Equity / Assets | 8.25% | 8.53% | 9.04% | 9.17% | 9.04% | 9.19% | 9.43% | 8.51% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.86% | 90.34% | 93.35% | 93.45% | 89.89% | 90.10% | 89.28% | 87.98% | -547 bps | |
| Liquid Assets / Assets | 3.95% | 3.32% | 3.12% | 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 | n/a | n/a | n/a |