Rockmart, GA · Cert 57860
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 | -11.31% | -1.25% | -1.05% | -6.84% | -3.26% | -0.76% | -2.39% | 2.48%1 | +932 bps | |
| Return on Equity | -172.38% | -25.04% | -21.47% | -162.44% | -109.96% | -32.01% | -116.35% | 122.86% | +28,529 bps | |
| Net Interest Margin | 2.75% | 2.81% | 3.06% | 2.57% | 2.94% | 3.03% | 2.88% | 2.73% | +16 bps | |
| Efficiency Ratio | 125.93% | 127.44% | 120.31% | 160.59% | 195.45% | 126.54% | 107.18% | 111.41% | -4,918 bps | |
| Non-Interest Burden | 3.63% | 3.68% | 3.75% | 4.29% | 6.03% | 3.91% | 3.14% | 3.08% | -121 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 | 13.13% | 0.10% | 0.91% | 6.90% | 1.38% | -0.06% | 0.06% | 0.00% | -690 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 |