Carrollton, GA · Cert 16480
FDIC
Q4 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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.39% | -1.26% | -9.60% | -8.22% | -7.71% | -432 bps | |
| Return on Equity | -35.69% | -17.37% | -166.88% | -171.88% | -199.95% | -16,426 bps | |
| Net Interest Margin | 2.60% | 2.00% | 1.94% | 2.03% | 1.93% | -67 bps | |
| Efficiency Ratio | 91.27% | 124.10% | 247% | 240% | 260% | +16,850 bps | |
| Non-Interest Burden | 5.08% | 2.60% | 3.95% | 4.18% | 4.08% | -100 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.10% | 3.24% | -6.39% | -6.38% | -5.44% | -653 bps | |
| Loan Growth (YoY) | -4.25% | -6.57% | -7.17% | -8.88% | -10.36% | -611 bps | |
| Deposit Growth (YoY) | 7.75% | 11.85% | 3.16% | 2.82% | 2.26% | -549 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.55% | 2.00% | 5.25% | 5.17% | 5.57% | +302 bps | |
| Allowance / Loans | 1.78% | 1.95% | 3.54% | 3.36% | 4.43% | +265 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 10.42% | 10.08% | 4.26% | 2.77% | -0.52% | -1,094 bps | |
| Equity / Assets | 7.46% | 7.01% | 2.61% | 1.68% | 0.03% | -744 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.59% | 78.65% | 79.02% | 77.56% | 72.40% | -1,020 bps | |
| Liquid Assets / Assets | 2.94% | 8.98% | 7.37% | 8.41% | 11.76% | +882 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |