Columbus, GA · Charter 67372
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Columbus, GA · Charter 67372
Q4 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 0.93% | 1.43% | 2.11% | 0.16% | -0.11% | -0.75% | -2.46% | -457 bps | |
| Return on Equity | 4.88% | 4.07% | 6.58% | 10.02% | 0.77% | -0.54% | -3.59% | -12.44% | -2,246 bps | |
| Net Interest Margin | 4.99% | 5.18% | 5.62% | 5.41% | 5.63% | 5.77% | 5.89% | 5.97% | +56 bps | |
| Efficiency Ratio | 71.39% | 70.77% | 70.87% | 52.84% | 79.42% | 78.57% | 81.54% | 87.28% | +3,444 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.39% | 13.93% | 19.08% | 23.70% | 9.92% | 8.48% | -3.04% | -10.39% | -3,409 bps | |
| Loan Growth (YoY) | 11.64% | 15.36% | 13.78% | 15.89% | 4.19% | 0.43% | -4.90% | -16.06% | -3,195 bps | |
| Share Growth (YoY) | 21.55% | 18.43% | 24.55% | 31.70% | 13.38% | 11.72% | -2.15% | -8.88% | -4,058 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.30% | 1.93% | 3.07% | 6.72% | 3.03% | 5.30% | 4.70% | 6.10% | -62 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 | 2.81% | 2.94% | 3.38% | 2.66% | 3.97% | 3.72% | 3.49% | 4.40% | +175 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.76% | 22.76% | 21.71% | 21.04% | 20.43% | 20.52% | 21.03% | 19.82% | -123 bps | |
| Net Worth / Assets | 22.76% | 22.76% | 21.71% | 21.04% | 20.43% | 20.52% | 21.03% | 19.82% | -123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.59% | 75.09% | 69.13% | 68.91% | 68.54% | 67.50% | 67.19% | 63.48% | -543 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |