Geneva, AL · Cert 59
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Geneva, AL · Cert 59
FDIC
Q4 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.18% | 0.89% | 0.88% | 1.39% | 1.38% | 1.39% | 1.14% | +26 bps | |
| Return on Equity | 7.61% | 7.47% | 5.63% | 5.51% | 8.55% | 8.43% | 8.36% | 6.84% | +133 bps | |
| Net Interest Margin | 3.11% | 3.21% | 3.27% | 3.23% | 3.05% | 3.06% | 3.03% | 3.00% | -23 bps | |
| Efficiency Ratio | 39.56% | 39.12% | 39.66% | 44.94% | 37.43% | 35.55% | 36.60% | 43.41% | -153 bps | |
| Non-Interest Burden | 1.04% | 1.06% | 1.10% | 1.25% | 0.95% | 0.88% | 0.89% | 1.05% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.16% | 1.36% | 1.23% | -0.55% | -0.43% | 0.63% | -1.89% | 2.25% | +280 bps | |
| Loan Growth (YoY) | -6.38% | -7.77% | -8.08% | -11.85% | -12.41% | -8.68% | -6.62% | -5.15% | +670 bps | |
| Deposit Growth (YoY) | 1.70% | 0.72% | 0.81% | -1.32% | -1.17% | 0.05% | -3.27% | 1.71% | +303 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 | 1.22% | 1.75% | 4.14% | 3.71% | 0.91% | 0.80% | 0.78% | 0.84% | -287 bps | |
| Allowance / Loans | 2.68% | 2.69% | 2.18% | 2.59% | 2.67% | 2.68% | 2.71% | 2.87% | +29 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 | 40.61% | 41.08% | 42.06% | 43.27% | 45.40% | 45.22% | 47.40% | 52.27% | +900 bps | |
| Equity / Assets | 15.76% | 16.02% | 16.05% | 16.19% | 16.39% | 16.53% | 17.25% | 16.79% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 35.51% | 35.35% | 34.02% | 32.52% | 31.47% | 32.27% | 32.84% | 30.33% | -219 bps | |
| Liquid Assets / Assets | 62.53% | 55.91% | 47.12% | 45.67% | 46.92% | 49.04% | 47.67% | 57.35% | +1,167 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |