Buford, GA · Cert 57847
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Buford, GA · Cert 57847
FDIC
Q2 2012
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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.03% | -4.23% | -1.65% | -1.19% | -0.98% | -0.90% | -2.74% | -2.09% | -90 bps | |
| Return on Equity | -94.74% | -87.95% | -66.24% | -47.53% | -39.18% | -36.10% | -126.56% | -105.02% | -5,749 bps | |
| Net Interest Margin | 1.47% | 1.57% | 1.65% | 1.69% | 1.77% | 1.87% | 1.84% | 1.87% | +17 bps | |
| Efficiency Ratio | n/a | n/a | 273% | 194.15% | 184.29% | 172.60% | n/a | 343% | +14,858 bps | |
| Non-Interest Burden | 3.95% | 3.95% | 3.36% | 2.96% | 2.99% | 3.01% | 4.45% | 3.70% | +74 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.40% | -9.60% | -13.72% | -17.96% | -12.21% | -15.32% | -14.19% | -12.42% | +554 bps | |
| Loan Growth (YoY) | -13.97% | -16.07% | -16.21% | -12.98% | -18.40% | -18.58% | -18.79% | -17.83% | -484 bps | |
| Deposit Growth (YoY) | -1.69% | -5.86% | -10.17% | -15.94% | -11.44% | -15.29% | -13.72% | -11.61% | +433 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 | 2.10% | 2.58% | 0.72% | 1.61% | 1.24% | 1.11% | 0.53% | 1.71% | +9 bps | |
| Allowance / Loans | 4.08% | 3.35% | 3.32% | 2.84% | 3.00% | 3.06% | 3.21% | 2.84% | 0 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 | 5.76% | 5.37% | 4.98% | 4.80% | 4.86% | 4.80% | 3.92% | 3.46% | -134 bps | |
| Equity / Assets | 3.45% | 2.62% | 2.37% | 2.50% | 2.54% | 2.49% | 1.84% | 1.62% | -88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.05% | 65.30% | 64.56% | 65.16% | 61.78% | 62.76% | 60.76% | 60.58% | -458 bps | |
| Liquid Assets / Assets | 7.02% | 8.68% | 9.73% | 7.47% | 10.94% | 7.85% | 11.05% | 15.10% | +764 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |