Tifton, GA · Cert 15647
FDIC
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 1.38% | 0.97% | 0.31% | 0.44% | 0.30% | 0.14% | -0.29% | -60 bps | |
| Return on Equity | 19.27% | 18.18% | 12.88% | 4.32% | 6.28% | 4.29% | 1.97% | -4.64% | -896 bps | |
| Net Interest Margin | 3.82% | 3.74% | 3.42% | 3.00% | 2.95% | 2.95% | 3.17% | 2.87% | -12 bps | |
| Efficiency Ratio | 49.56% | 49.28% | 49.75% | 55.65% | 57.79% | 55.95% | 56.29% | 63.52% | +787 bps | |
| Non-Interest Burden | 1.47% | 1.43% | 1.33% | 1.40% | 1.46% | 1.39% | 1.52% | 1.61% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.55% | 7.10% | 18.67% | 18.53% | 21.05% | 12.25% | 8.08% | 9.69% | -884 bps | |
| Loan Growth (YoY) | 6.30% | 9.15% | 12.01% | 5.43% | 3.10% | -0.26% | -4.56% | -3.54% | -897 bps | |
| Deposit Growth (YoY) | 4.70% | 5.13% | 19.76% | 20.90% | 27.34% | 17.81% | 10.78% | 12.18% | -872 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 | 0.30% | 0.61% | 0.69% | 1.13% | 1.89% | 2.06% | 2.63% | 1.92% | +78 bps | |
| Allowance / Loans | 1.56% | 1.37% | 1.95% | 2.12% | 1.62% | 1.85% | 1.81% | 2.10% | -2 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 | 10.30% | 10.24% | 10.36% | 10.47% | 10.33% | 10.62% | 10.52% | 10.26% | -20 bps | |
| Equity / Assets | 7.48% | 7.39% | 7.36% | 7.05% | 6.72% | 7.12% | 6.61% | 6.05% | -101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.94% | 90.19% | 81.62% | 75.67% | 73.64% | 76.36% | 70.32% | 65.07% | -1,060 bps | |
| Liquid Assets / Assets | 0.09% | 0.08% | 0.05% | 0.01% | 0.17% | 1.51% | 0.00% | 0.00% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |