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 | 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% | -0.49% | -0.43% | -3.39% | -1.26% | -9.60% | -8.22% | -7.71% | -432 bps | |
| Return on Equity | 8.85% | -4.93% | -4.29% | -35.69% | -17.37% | -166.88% | -171.88% | -199.95% | -16,426 bps | |
| Net Interest Margin | 3.36% | 2.90% | 2.77% | 2.60% | 2.00% | 1.94% | 2.03% | 1.93% | -67 bps | |
| Efficiency Ratio | 66.69% | 74.16% | 82.66% | 91.27% | 124.10% | 247% | 240% | 260% | +16,850 bps | |
| Non-Interest Burden | 1.88% | 1.93% | 2.21% | 5.08% | 2.60% | 3.95% | 4.18% | 4.08% | -100 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% | 1.20% | 1.34% | 2.55% | 2.00% | 5.25% | 5.17% | 5.57% | +302 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 |