Jonesboro, GA · Cert 57036
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.41% | -1.91% | -3.40% | -3.19% | -10.83% | -0.03% | -2.63% | -3.12% | +7 bps | |
| Return on Equity | -17.91% | -26.56% | -52.78% | -56.83% | -277% | -1.09% | -123.89% | -211% | -15,396 bps | |
| Net Interest Margin | 1.58% | 1.42% | 2.59% | 2.19% | 2.20% | 2.04% | 2.13% | 3.43% | +124 bps | |
| Efficiency Ratio | 148.49% | 152.95% | 175.88% | 100.64% | 131.20% | 105.78% | 162.57% | 188.06% | +8,742 bps | |
| Non-Interest Burden | 3.27% | 2.89% | 5.98% | 2.22% | 3.58% | 2.28% | 4.16% | 6.05% | +384 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.15% | 2.61% | 0.61% | -1.91% | -3.32% | -10.02% | -8.85% | -16.62% | -1,471 bps | |
| Loan Growth (YoY) | 16.28% | 24.20% | 33.18% | 17.09% | 6.60% | -2.61% | -14.76% | -17.11% | -3,420 bps | |
| Deposit Growth (YoY) | 10.83% | 5.41% | 3.08% | 1.39% | 8.43% | 0.88% | 2.45% | -3.61% | -501 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 | 0.18% | 0.40% | 2.52% | 1.56% | 12.13% | -0.25% | 1.82% | 0.90% | -66 bps | |
| Allowance / Loans | 1.83% | 1.81% | 1.05% | 1.75% | 1.88% | 1.95% | 1.79% | 1.87% | +12 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 | 11.28% | 10.11% | 8.48% | 7.79% | 4.37% | 4.44% | 3.63% | 2.72% | -507 bps | |
| Equity / Assets | 7.59% | 6.81% | 6.06% | 5.18% | 2.61% | 2.44% | 1.79% | 1.14% | -404 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.60% | 86.56% | 98.02% | 92.69% | 85.14% | 83.56% | 81.55% | 79.72% | -1,298 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.25% | 0.26% | 13.76% | 14.48% | 11.71% | +1,146 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |