Carrollton, GA · Cert 16480
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | -1.85% | -0.31% | -12.27% | -1.26% | -17.98% | -5.35% | -6.22% | +605 bps | |
| Return on Equity | 8.85% | -18.87% | -3.16% | -137.23% | -17.37% | -368% | -249% | -731% | -59,333 bps | |
| Net Interest Margin | 3.36% | 2.47% | 2.52% | 2.04% | 2.00% | 1.83% | 2.02% | 1.78% | -25 bps | |
| Efficiency Ratio | 66.69% | 83.35% | 106.86% | 124.33% | 124.10% | 960% | 229% | 355% | +23,048 bps | |
| Non-Interest Burden | 1.88% | 2.01% | 2.78% | 13.65% | 2.60% | 5.23% | 4.25% | 4.13% | -952 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 45.82% | 46.14% | 3.81% | 1.10% | 3.24% | -6.39% | -6.38% | -5.44% | -653 bps | |
| Loan Growth (YoY) | 33.41% | 26.47% | -2.06% | -4.25% | -6.57% | -7.17% | -8.88% | -10.36% | -611 bps | |
| Deposit Growth (YoY) | 40.94% | 44.34% | 5.71% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 2.38% | 1.60% | 6.09% | 2.00% | 8.44% | 4.71% | 6.14% | +5 bps | |
| Allowance / Loans | 1.98% | 2.67% | 2.51% | 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 | 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 | 10.27% | 9.50% | 10.90% | 10.42% | 10.08% | 4.26% | 2.77% | -0.52% | -1,094 bps | |
| Equity / Assets | 10.29% | 9.32% | 10.42% | 7.46% | 7.01% | 2.61% | 1.68% | 0.03% | -744 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.17% | 87.81% | 87.52% | 82.59% | 78.65% | 79.02% | 77.56% | 72.40% | -1,020 bps | |
| Liquid Assets / Assets | 0.90% | 0.87% | 0.96% | 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 | n/a | n/a | n/a |