Brunswick, GA · Charter 13847
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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.
Brunswick, GA · Charter 13847
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.50% | 1.79% | -0.86% | -98.80% | -57.42% | -41.38% | -41.27% | -4,041 bps | |
| Return on Equity | 2.06% | 1.65% | 5.53% | -2.55% | -493% | -340% | -248% | -209% | -20,641 bps | |
| Net Interest Margin | 8.45% | 7.26% | 8.64% | 6.66% | 9.32% | 7.24% | 6.63% | 7.49% | +83 bps | |
| Efficiency Ratio | 86.00% | 89.56% | 78.70% | 108.79% | 101.83% | 190.78% | 186.84% | 193.26% | +8,447 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.66% | -17.75% | -12.91% | -19.12% | -35.61% | -35.58% | -35.85% | -44.69% | -2,557 bps | |
| Loan Growth (YoY) | -11.74% | -17.00% | -22.63% | -37.34% | -45.75% | -46.26% | -42.71% | -35.95% | +140 bps | |
| Share Growth (YoY) | -26.09% | -25.14% | -19.00% | -25.26% | -25.92% | -21.98% | -20.09% | -32.79% | -752 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 24.40% | 37.67% | 45.17% | 65.02% | 68.11% | 77.84% | 83.11% | 100.00% | +3,498 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 | 3.64% | 2.55% | 2.87% | 0.31% | 30.55% | 33.45% | 35.34% | 37.74% | +3,742 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.45% | 30.12% | 32.47% | 33.75% | 20.05% | 16.89% | 16.67% | 19.75% | -1,400 bps | |
| Net Worth / Assets | 29.45% | 30.12% | 32.47% | 33.75% | 20.05% | 16.89% | 16.67% | 19.75% | -1,400 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.57% | 87.15% | 82.76% | 77.15% | 67.05% | 60.03% | 59.33% | 73.52% | -362 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |