Ellaville, GA · Cert 5687
FDIC
Q4 2011
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.52% | -8.37% | -4.10% | -5.84% | -4.90% | -338 bps | |
| Return on Equity | -26.42% | -194.66% | -101.88% | -176.92% | -179.82% | -15,339 bps | |
| Net Interest Margin | 2.82% | 2.81% | 3.10% | 3.03% | 2.97% | +14 bps | |
| Efficiency Ratio | 130.51% | 132.66% | 109.01% | 108.30% | 122.13% | -838 bps | |
| Non-Interest Burden | 3.70% | 3.58% | 3.38% | 3.29% | 3.61% | -9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.11% | -9.38% | -15.99% | -7.34% | 3.12% | +2,023 bps | |
| Loan Growth (YoY) | -13.92% | -12.22% | -7.65% | -7.20% | -7.56% | +636 bps | |
| Deposit Growth (YoY) | -13.95% | -2.73% | -10.75% | 2.43% | 8.81% | +2,276 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.77% | 5.85% | 2.99% | 3.12% | 2.55% | +178 bps | |
| Allowance / Loans | 2.56% | 3.75% | 3.72% | 6.16% | 6.28% | +372 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 | 8.61% | 5.83% | 5.94% | 2.76% | 1.32% | -729 bps | |
| Equity / Assets | 5.42% | 3.22% | 3.46% | 1.09% | 0.50% | -492 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.87% | 77.00% | 80.47% | 76.22% | 70.40% | -1,247 bps | |
| Liquid Assets / Assets | 6.50% | 8.31% | 7.52% | 12.87% | 8.65% | +216 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |