Rockmart, GA · Cert 57860
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.
Rockmart, GA · Cert 57860
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 | -3.07% | -1.25% | -1.15% | -3.02% | -3.08% | -0.76% | -1.57% | -0.22% | +280 bps | |
| Return on Equity | -41.30% | -25.04% | -23.14% | -65.52% | -73.34% | -32.01% | -71.55% | -10.07% | +5,546 bps | |
| Net Interest Margin | 2.73% | 2.81% | 2.96% | 2.86% | 2.93% | 3.03% | 2.96% | 2.89% | +3 bps | |
| Efficiency Ratio | 97.26% | 127.44% | 123.75% | 134.65% | 149.74% | 126.54% | 116.65% | 115.02% | -1,963 bps | |
| Non-Interest Burden | 2.63% | 3.68% | 3.75% | 3.96% | 4.55% | 3.91% | 3.53% | 3.39% | -57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.89% | -5.48% | -7.26% | -7.73% | -8.32% | -9.33% | -7.53% | -4.98% | +276 bps | |
| Loan Growth (YoY) | -14.03% | -13.36% | -11.33% | -14.22% | -13.91% | -13.31% | -13.66% | -9.73% | +449 bps | |
| Deposit Growth (YoY) | 2.97% | -0.94% | -3.71% | -1.20% | -5.12% | -7.43% | -5.01% | -4.16% | -296 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 | 4.06% | 0.10% | 0.50% | 2.66% | 2.42% | -0.06% | 0.00% | 0.00% | -266 bps | |
| Allowance / Loans | 2.10% | 2.26% | 2.20% | 2.50% | 2.31% | 2.36% | 3.28% | 3.36% | +86 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 | 8.45% | 7.97% | 7.93% | 5.61% | 4.61% | 4.42% | 3.62% | 4.50% | -111 bps | |
| Equity / Assets | 5.16% | 4.83% | 4.97% | 3.44% | 2.47% | 2.26% | 1.85% | 2.19% | -125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.41% | 81.94% | 82.67% | 77.57% | 77.49% | 76.73% | 75.14% | 73.06% | -451 bps | |
| Liquid Assets / Assets | 3.93% | 2.84% | 3.00% | 3.20% | 4.03% | 4.77% | 4.88% | 6.53% | +333 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |