Vidalia, GA · Cert 14580
FDIC
Q3 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | -0.07% | -3.39% | -2.64% | -3.44% | -3.33% | -4.66% | -4.11% | -147 bps | |
| Return on Equity | 2.43% | -0.97% | -52.03% | -43.52% | -61.40% | -96.72% | -153.48% | -153.91% | -11,039 bps | |
| Net Interest Margin | 2.92% | 2.84% | 2.25% | 1.84% | 1.72% | 0.96% | 1.17% | 1.30% | -53 bps | |
| Efficiency Ratio | 70.35% | 77.73% | 91.53% | 104.86% | 142.47% | 321% | n/a | 620% | +51,550 bps | |
| Non-Interest Burden | 1.92% | 2.14% | 2.03% | 1.94% | 2.48% | 2.80% | 4.27% | 3.99% | +205 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 | 0.79% | -0.05% | 0.75% | 3.15% | 4.71% | 0.67% | 6.73% | 5.97% | +283 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 |