St. Simons Isla, GA · Charter 67939
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 | 0.11% | 0.06% | -1.86% | -3.10% | 0.39% | -0.09% | -3.39% | -2.84% | +26 bps | |
| Return on Equity | 1.17% | 0.71% | -20.75% | -45.62% | 7.50% | -1.66% | -104.89% | -86.25% | -4,063 bps | |
| Net Interest Margin | 3.72% | 3.74% | 3.41% | 3.93% | 3.72% | 3.82% | 4.06% | 4.33% | +40 bps | |
| Efficiency Ratio | 80.78% | 81.03% | 129.97% | 101.91% | 84.35% | 89.87% | 109.39% | 100.41% | -150 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.48% | -2.74% | -6.28% | 2.68% | 1.19% | -2.49% | -8.14% | -16.79% | -1,946 bps | |
| Loan Growth (YoY) | -2.38% | -5.43% | -6.96% | 2.22% | -8.44% | -11.70% | -12.74% | -20.93% | -2,315 bps | |
| Share Growth (YoY) | 3.13% | -1.41% | -17.78% | -0.30% | 19.09% | 25.54% | 10.90% | -7.14% | -684 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.16% | 0.31% | 2.20% | 0.55% | 2.23% | 0.52% | 1.00% | 0.63% | +8 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 | 0.32% | 0.58% | 0.61% | 1.57% | 3.20% | 3.17% | 3.66% | 4.12% | +255 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.18% | 9.13% | 8.97% | 6.79% | 5.19% | 5.22% | 3.23% | 3.29% | -350 bps | |
| Net Worth / Assets | 9.18% | 9.13% | 8.97% | 6.79% | 5.19% | 5.22% | 3.23% | 3.29% | -350 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.42% | 110.34% | 100.40% | 100.55% | 78.75% | 77.61% | 79.00% | 85.61% | -1,493 bps | |
| Liquid Assets / Assets | 98.70% | 97.84% | 0.00% | 97.21% | 97.75% | 0.00% | 0.00% | 0.00% | -9,721 bps | |