Atlanta, GA · Charter 67712
Q1 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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.45% | 0.92% | -23.95% | -12.09% | -8.98% | -10.37% | 1.22% | +2,517 bps | |
| Return on Equity | 2.27% | 5.18% | 10.10% | -606% | -280% | -221% | -624% | 61.08% | +66,739 bps | |
| Net Interest Margin | 4.20% | 3.38% | 4.53% | 4.80% | 4.62% | 4.88% | 5.40% | 5.25% | +45 bps | |
| Efficiency Ratio | 71.21% | 75.77% | 58.51% | 60.17% | 63.74% | 72.43% | 70.65% | 72.78% | +1,261 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.35% | 19.66% | 17.63% | 5.57% | 0.87% | -14.61% | -23.76% | -19.12% | -2,469 bps | |
| Loan Growth (YoY) | 2.21% | 9.10% | 18.75% | 7.60% | -2.08% | -14.00% | -21.92% | -17.63% | -2,523 bps | |
| Share Growth (YoY) | 12.30% | 21.08% | 18.55% | 12.28% | 6.69% | -10.38% | -17.42% | -17.50% | -2,978 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.36% | 2.51% | 1.42% | 7.19% | 0.78% | 2.27% | 2.45% | 3.59% | -359 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 | 2.06% | 2.05% | 1.86% | 7.66% | 2.36% | 3.18% | 7.62% | 7.63% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.59% | 8.66% | 9.12% | 3.95% | 4.32% | 4.07% | 1.66% | 2.00% | -195 bps | |
| Net Worth / Assets | 9.59% | 8.66% | 9.12% | 3.95% | 4.32% | 4.07% | 1.66% | 2.00% | -195 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.22% | 73.97% | 79.53% | 74.68% | 71.79% | 70.99% | 75.20% | 74.56% | -12 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |