Rock Springs, GA · Cert 58068
FDIC
Q4 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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.43% | 1.37% | -0.24% | -1.67% | -2.37% | +106 bps | |
| Return on Equity | -59.34% | 33.38% | -5.88% | -43.84% | -68.62% | -928 bps | |
| Net Interest Margin | 3.02% | 3.44% | 3.08% | 3.11% | 3.26% | +23 bps | |
| Efficiency Ratio | 98.15% | 66.58% | 75.91% | 88.68% | 108.95% | +1,080 bps | |
| Non-Interest Burden | 2.97% | 2.04% | 2.20% | 2.73% | 3.54% | +57 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.05% | -6.39% | -4.36% | -6.20% | -9.71% | -366 bps | |
| Loan Growth (YoY) | -5.11% | -8.42% | -0.94% | -7.44% | -16.74% | -1,163 bps | |
| Deposit Growth (YoY) | -0.11% | -3.93% | -2.89% | -1.83% | -6.25% | -614 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 3.28% | 0.33% | 0.91% | 0.80% | 5.80% | +252 bps | |
| Allowance / Loans | 3.14% | 3.17% | 3.45% | 4.97% | 1.25% | -190 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 5.75% | 6.30% | 5.65% | 4.47% | 3.01% | -275 bps | |
| Equity / Assets | 3.90% | 4.29% | 4.02% | 2.96% | 1.97% | -194 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.09% | 82.97% | 86.16% | 79.75% | 75.57% | -952 bps | |
| Liquid Assets / Assets | 1.49% | 3.50% | 0.84% | 2.24% | 3.87% | +238 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |