Braselton, GA · Cert 57928
FDIC
Q3 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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.47% | -0.52% | -0.14% | -0.16% | -0.42% | -0.76% | -3.72% | -12.78% | -1,262 bps | |
| Return on Equity | -84.24% | -22.86% | -6.42% | -5.95% | -12.88% | -14.26% | -77.72% | -480% | -47,374 bps | |
| Net Interest Margin | 1.19% | 1.59% | 1.70% | 1.69% | 1.59% | 1.49% | 1.58% | 1.62% | -8 bps | |
| Efficiency Ratio | 254% | 142.17% | 122.85% | 121.55% | 131.26% | 139.78% | 190.09% | 801% | +67,962 bps | |
| Non-Interest Burden | 3.40% | 2.43% | 2.24% | 2.19% | 2.26% | 2.25% | 3.39% | 5.19% | +299 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.84% | -10.27% | -1.38% | 1.71% | 0.45% | 2.94% | -5.95% | -10.59% | -1,229 bps | |
| Loan Growth (YoY) | -6.23% | -4.85% | -2.48% | 5.47% | -2.42% | 1.92% | -1.07% | -12.16% | -1,763 bps | |
| Deposit Growth (YoY) | -1.58% | -7.82% | 3.51% | 4.38% | -2.44% | -0.30% | -8.62% | -3.28% | -766 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 | 1.94% | 0.20% | 0.41% | 0.28% | 0.42% | 0.83% | 2.73% | 14.04% | +1,377 bps | |
| Allowance / Loans | 3.39% | 3.35% | 3.15% | 3.12% | 3.06% | 2.73% | 3.44% | 7.15% | +403 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 | 4.90% | 4.69% | 4.77% | 8.18% | 9.88% | 9.30% | 6.89% | -7.05% | -1,523 bps | |
| Equity / Assets | 2.30% | 2.21% | 2.18% | 4.18% | 5.42% | 5.22% | 3.67% | -4.24% | -842 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.30% | 65.06% | 61.03% | 64.45% | 64.32% | 66.51% | 66.07% | 58.53% | -592 bps | |
| Liquid Assets / Assets | 3.48% | 3.88% | 6.33% | 5.54% | 2.78% | 2.38% | 4.30% | 5.96% | +42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |