Columbus, GA · Cert 34780
FDIC
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.49% | 4.76% | 4.75% | 4.34% | 6.75% | 5.85% | 4.64% | 5.18% | +84 bps | |
| Return on Equity | n/a | n/a | n/a | 23.24% | 34.06% | 27.03% | 20.28% | 22.03% | -121 bps | |
| Net Interest Margin | n/a | n/a | 6.18% | 6.42% | 6.31% | 6.37% | 6.59% | 6.82% | +40 bps | |
| Efficiency Ratio | n/a | n/a | 31.98% | 31.95% | 33.07% | 31.21% | 34.92% | 35.37% | +342 bps | |
| Non-Interest Burden | n/a | n/a | n/a | -4.30% | -3.93% | -4.59% | -4.15% | -3.95% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.22% | 9.08% | 5.25% | 6.62% | 7.20% | 2.56% | 3.43% | 3.02% | -360 bps | |
| Loan Growth (YoY) | 10.71% | 9.06% | 11.23% | 9.98% | 9.20% | 8.17% | 5.41% | 4.09% | -589 bps | |
| Deposit Growth (YoY) | -5.75% | -5.60% | -1.92% | -11.75% | -14.72% | -15.67% | -16.59% | -15.40% | -365 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 | n/a | n/a | 2.86% | 2.65% | 2.64% | 2.52% | 2.22% | 2.24% | -40 bps | |
| Allowance / Loans | n/a | n/a | 4.50% | 4.72% | 3.94% | 3.68% | 3.94% | 3.97% | -75 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 | n/a | n/a | 19.67% | 20.20% | 22.30% | 23.70% | 24.58% | 24.86% | +466 bps | |
| Equity / Assets | n/a | n/a | 18.55% | 18.78% | 20.91% | 22.41% | 23.34% | 23.65% | +487 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 202% | 209% | 221% | 220% | 259% | 268% | 280% | 270% | +5,059 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.02% | 1.85% | 1.83% | 1.76% | 1.61% | 1.40% | -45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |