Buford, GA · Cert 57847
FDIC
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.67% | -1.66% | -1.65% | -0.70% | -0.56% | -0.64% | -2.74% | -1.42% | -72 bps | |
| Return on Equity | -182.45% | -54.45% | -66.24% | -28.79% | -22.11% | -25.40% | -126.56% | -82.05% | -5,326 bps | |
| Net Interest Margin | 1.38% | 1.62% | 1.65% | 1.71% | 1.76% | 1.95% | 1.84% | 1.82% | +11 bps | |
| Efficiency Ratio | n/a | 378% | 273% | 148.15% | 165.23% | 142.63% | n/a | 161.40% | +1,326 bps | |
| Non-Interest Burden | 3.63% | 3.27% | 3.36% | 2.54% | 2.72% | 2.70% | 4.45% | 2.79% | +25 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 | 1.00% | 3.72% | 0.72% | 2.48% | 0.24% | 0.55% | 0.53% | 2.87% | +39 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 |