Milledgeville, GA · Charter 61461
Q2 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | 0.03% | 0.33% | 0.31% | -0.01% | 0.04% | 0.29% | 0.64% | +33 bps | |
| Return on Equity | -0.09% | 0.15% | 1.54% | 1.47% | -0.06% | 0.18% | 1.32% | 2.87% | +141 bps | |
| Net Interest Margin | 2.91% | 2.89% | 2.90% | 2.88% | 2.84% | 2.91% | 2.84% | 2.77% | -11 bps | |
| Efficiency Ratio | 100.78% | 94.24% | 88.73% | 89.33% | 100.45% | 98.72% | 89.72% | 77.07% | -1,226 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.77% | 11.08% | 9.73% | 10.44% | 5.43% | -0.72% | -4.30% | -4.45% | -1,489 bps | |
| Loan Growth (YoY) | -5.97% | -9.26% | -9.71% | -7.88% | -3.44% | -2.68% | -8.15% | -14.93% | -705 bps | |
| Share Growth (YoY) | 16.54% | 14.43% | 13.13% | 13.00% | 7.07% | -0.38% | -5.46% | -5.59% | -1,859 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 0.99% | 1.66% | 2.13% | 2.04% | 1.16% | 1.39% | 0.55% | -157 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.10% | 2.32% | 2.30% | 2.33% | 2.30% | 2.39% | 2.56% | 2.70% | +38 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.09% | 21.13% | 21.22% | 21.18% | 21.10% | 21.51% | 22.26% | 22.43% | +124 bps | |
| Net Worth / Assets | 22.09% | 21.13% | 21.22% | 21.18% | 21.10% | 21.51% | 22.26% | 22.43% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.43% | 43.84% | 42.39% | 43.18% | 43.68% | 42.83% | 41.18% | 38.91% | -427 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |