Gray, GA · Cert 57256
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Gray, GA · Cert 57256
FDIC
Q3 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 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.53% | -2.11% | -1.51% | -3.06% | -2.71% | -13.77% | -7.87% | -5.21% | -215 bps | |
| Return on Equity | -22.13% | -34.61% | -24.76% | -52.59% | -49.12% | -519% | -390% | -308% | -25,557 bps | |
| Net Interest Margin | 1.18% | 1.59% | 1.67% | 1.61% | 1.67% | 1.77% | 1.98% | 1.96% | +35 bps | |
| Efficiency Ratio | 148.29% | 166.14% | 134.91% | 161.04% | 153.57% | 259% | 187.01% | 134.99% | -2,604 bps | |
| Non-Interest Burden | 1.97% | 2.96% | 2.41% | 2.78% | 2.73% | 5.16% | 4.19% | 3.12% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.47% | -7.33% | -11.29% | -16.14% | -12.04% | -11.70% | -12.38% | -10.10% | +604 bps | |
| Loan Growth (YoY) | -8.38% | -15.90% | -17.26% | -16.74% | -17.37% | -14.42% | -17.50% | -25.29% | -855 bps | |
| Deposit Growth (YoY) | -2.91% | -7.27% | -13.71% | -16.37% | -10.91% | -7.41% | -7.24% | -6.09% | +1,028 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 | 0.37% | 2.20% | 1.90% | 1.59% | 1.90% | 15.22% | 8.78% | 7.20% | +561 bps | |
| Allowance / Loans | 2.46% | 2.42% | 2.50% | 4.23% | 3.65% | 4.08% | 4.81% | 5.07% | +84 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 | 8.91% | 8.45% | 8.53% | 6.84% | 6.56% | 2.47% | 1.50% | 1.76% | -508 bps | |
| Equity / Assets | 6.15% | 6.02% | 6.17% | 4.87% | 4.27% | 0.97% | 0.66% | 0.67% | -420 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.32% | 78.62% | 78.59% | 78.68% | 76.35% | 72.67% | 69.89% | 62.60% | -1,609 bps | |
| Liquid Assets / Assets | 2.37% | 2.18% | 2.12% | 1.93% | 1.81% | 1.92% | 2.22% | 2.07% | +15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |