Vidalia, GA · Cert 14580
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.68% | -0.07% | -6.61% | -1.24% | -5.59% | -3.33% | -6.04% | -2.92% | -168 bps | |
| Return on Equity | -9.34% | -0.97% | -107.97% | -25.66% | -129.29% | -96.72% | -228% | -168.03% | -14,238 bps | |
| Net Interest Margin | 2.87% | 2.84% | 1.83% | 1.34% | 1.11% | 0.96% | 1.27% | 1.38% | +4 bps | |
| Efficiency Ratio | 74.68% | 77.73% | 109.33% | 156.59% | 464% | 321% | n/a | 170.96% | +1,437 bps | |
| Non-Interest Burden | 2.03% | 2.14% | 2.05% | 2.05% | 3.83% | 2.80% | 5.46% | 2.72% | +67 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.29% | -3.06% | 14.90% | 13.98% | 5.50% | 6.42% | -23.42% | -27.90% | -4,188 bps | |
| Loan Growth (YoY) | 7.00% | 3.56% | -3.14% | -10.01% | -17.62% | -21.50% | -25.21% | -26.57% | -1,656 bps | |
| Deposit Growth (YoY) | 4.48% | -3.91% | 20.86% | 22.55% | 10.72% | 13.27% | -23.27% | -25.16% | -4,771 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.99% | -0.05% | 1.55% | 7.83% | 8.61% | 0.67% | 12.72% | 3.28% | -456 bps | |
| Allowance / Loans | 1.61% | 2.17% | 5.45% | 4.52% | 3.49% | 4.20% | 2.50% | 3.16% | -136 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.43% | 10.81% | 7.89% | 7.56% | 7.24% | 6.19% | 4.16% | 3.18% | -438 bps | |
| Equity / Assets | 7.34% | 7.74% | 4.78% | 4.86% | 3.73% | 3.15% | 2.08% | 1.38% | -349 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.85% | 98.90% | 74.60% | 69.17% | 69.82% | 68.55% | 72.71% | 67.87% | -130 bps | |
| Liquid Assets / Assets | 14.59% | 0.18% | 1.41% | 19.59% | 17.29% | 18.33% | 15.32% | 13.16% | -644 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |