Ringgold, GA · Cert 34239
FDIC
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.30% | 0.37% | 0.08%1 | -1.78% | -2.39% | -2.58% | 3.46% | +338 bps | |
| Return on Equity | 4.25% | 3.15% | 3.92% | 0.88% | -19.09% | -26.31% | -29.70% | 38.37% | +3,749 bps | |
| Net Interest Margin | 3.69% | 3.63% | 3.76% | 3.56% | 3.56% | 3.48% | 3.36% | 0.82% | -274 bps | |
| Efficiency Ratio | 65.05% | 71.02% | 67.23% | 58.23% | 68.16% | 88.62% | 81.22% | -105.27% | -16,351 bps | |
| Non-Interest Burden | 2.27% | 2.53% | 2.42% | 1.81% | 2.31% | 3.08% | 2.66% | -0.91% | -272 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.39% | 0.45% | -0.96% | -0.50% | -0.96% | -5.20% | -7.58% | -7.76% | -726 bps | |
| Loan Growth (YoY) | -4.70% | -4.90% | -6.33% | -8.84% | -11.52% | -17.56% | -19.50% | -20.76% | -1,192 bps | |
| Deposit Growth (YoY) | 8.63% | 2.79% | 1.18% | 1.83% | -0.63% | -4.19% | -6.49% | -8.60% | -1,042 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 | 0.87% | 2.40% | 1.27% | 6.11% | 2.63% | 3.54% | 4.58% | -4.95% | -1,106 bps | |
| Allowance / Loans | 2.64% | 2.29% | 2.36% | 1.98% | 3.07% | 3.66% | 4.09% | 0.60% | -138 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 | 13.98% | 14.20% | 14.33% | 14.92% | 14.84% | 14.39% | 14.08% | 14.96% | +4 bps | |
| Equity / Assets | 9.44% | 9.40% | 9.38% | 9.41% | 9.24% | 8.93% | 8.41% | 9.62% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.80% | 80.57% | 77.02% | 74.53% | 71.95% | 69.32% | 66.30% | 64.61% | -992 bps | |
| Liquid Assets / Assets | 8.70% | 9.32% | 12.17% | 19.47% | 16.27% | 0.38% | 19.25% | 20.89% | +142 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |