Athens, GA · Charter 67737
Q2 2013
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.46% | -2.32% | -3.95% | -2.95% | -2.95% | -3.71% | -4.15% | -13.04% | -1,009 bps | |
| Return on Equity | -8.11% | -6.44% | -11.78% | -9.05% | -9.65% | -10.71% | -13.48% | -50.12% | -4,107 bps | |
| Net Interest Margin | 2.42% | 2.88% | 2.35% | 2.22% | 2.07% | 2.37% | 1.90% | -4.52% | -674 bps | |
| Efficiency Ratio | 157.38% | 163.57% | 204% | 174.58% | 180.40% | 185.14% | 267% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.40% | -19.82% | -11.20% | -10.25% | -7.86% | -6.26% | -2.19% | -5.67% | +458 bps | |
| Loan Growth (YoY) | -7.13% | -21.86% | -14.77% | -17.16% | -29.38% | -27.27% | -40.34% | -61.24% | -4,408 bps | |
| Share Growth (YoY) | 15.72% | -25.62% | -13.50% | -12.12% | -8.38% | -4.32% | 2.11% | 3.99% | +1,611 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.51% | 0.00% | 0.00% | 0.00% | 0 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 | 6.04% | 3.69% | 5.56% | 6.01% | 6.80% | 4.55% | 7.00% | 11.85% | +584 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.34% | 36.05% | 33.49% | 32.54% | 30.61% | 34.70% | 30.76% | 26.01% | -653 bps | |
| Net Worth / Assets | 30.34% | 36.05% | 33.49% | 32.54% | 30.61% | 34.70% | 30.76% | 26.01% | -653 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.30% | 36.86% | 29.17% | 27.76% | 24.12% | 28.02% | 17.04% | 10.35% | -1,741 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |