The ATX spec. is +/- 10%. So 10.8v on the 12v rail would be the lowest and still be considered in spec. However most quality PSU will be at +/-1% or less. You seem to be at about minus 4%-5%. Seems low to me. CPUID has a hardware monitor software download that will also give you the 3.3 and 5 volt readings. Check those also.