Comer, GA · Cert 15337
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 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.
Comer, GA · Cert 15337
FDIC
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.26% | 2.93% | 0.20% | 0.40% | 0.07%1 | -0.14% | 0.28% | 0.54% | +13 bps | |
| Return on Equity | 26.39% | 22.48% | 1.31% | 2.44% | 0.39% | -0.68% | 1.32% | 2.49% | +5 bps | |
| Net Interest Margin | 4.94% | 4.69% | 0.59% | 1.37% | 1.92% | 2.78% | 3.00% | 3.20% | +183 bps | |
| Efficiency Ratio | 51.29% | 52.13% | 62.30% | 62.42% | 64.25% | 75.46% | 70.98% | 66.67% | +425 bps | |
| Non-Interest Burden | 1.72% | 1.63% | 0.28% | 0.65% | 0.96% | 1.79% | 1.77% | 1.69% | +104 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.51% | 10.81% | 41.00% | 23.70% | 17.59% | 11.85% | -12.68% | -7.89% | -3,158 bps | |
| Loan Growth (YoY) | 7.97% | 8.74% | 2.53% | 3.71% | -1.05% | -6.20% | -5.23% | -8.66% | -1,237 bps | |
| Deposit Growth (YoY) | 4.55% | 15.59% | 33.39% | 12.68% | 5.69% | 1.43% | -16.59% | -10.57% | -2,324 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 | 0.02% | 0.30% | 0.11% | 0.28% | 0.93% | 2.04% | 1.24% | 1.74% | +147 bps | |
| Allowance / Loans | 1.18% | 1.10% | 1.18% | 1.28% | 1.96% | 2.11% | 2.28% | 1.83% | +55 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 | 18.91% | 19.07% | 20.06% | 19.05% | 19.99% | 20.17% | 21.47% | 22.46% | +341 bps | |
| Equity / Assets | 13.16% | 12.91% | 18.48% | 20.41% | 21.67% | 20.70% | 21.30% | 23.04% | +262 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.27% | 73.97% | 59.78% | 70.14% | 75.15% | 68.41% | 67.92% | 71.63% | +150 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |