Valdosta, GA · Cert 58185
FDIC
Q1 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -7.20% | -6.56% | -5.85% | -5.10% | -4.44% | +276 bps | |
| Return on Equity | -330% | -305% | -274% | -239% | -244% | +8,629 bps | |
| Net Interest Margin | 3.04% | 2.99% | 3.07% | 3.19% | 2.85% | -19 bps | |
| Efficiency Ratio | n/a | 4409% | 771% | 402% | 239% | n/a | |
| Non-Interest Burden | 9.46% | 9.31% | 8.92% | 8.51% | 7.12% | -235 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -25.03% | -23.55% | -17.26% | -19.17% | -23.52% | +151 bps | |
| Loan Growth (YoY) | -22.48% | -24.01% | -25.25% | -27.69% | -28.34% | -587 bps | |
| Deposit Growth (YoY) | -23.79% | -23.84% | -18.91% | -18.74% | -21.46% | +233 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 3.44% | 3.25% | 3.43% | 3.11% | 1.51% | -193 bps | |
| Allowance / Loans | 6.53% | 6.30% | 6.06% | 6.33% | 6.63% | +10 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 | 4.25% | 4.22% | 4.18% | 4.37% | 3.39% | -86 bps | |
| Equity / Assets | 2.13% | 2.10% | 2.06% | 2.15% | 1.46% | -67 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.14% | 77.60% | 75.41% | 73.71% | 71.29% | -685 bps | |
| Liquid Assets / Assets | 16.20% | 17.68% | 18.53% | 19.14% | 20.02% | +381 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |