Winder, GA · Cert 182
FDIC
Q2 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.48% | -1.25% | -0.45% | -3.21% | -3.94% | -4.86% | -1.45% | -4.89% | -168 bps | |
| Return on Equity | -5.10% | -13.91% | -6.12% | -45.83% | -58.50% | -80.45% | -45.31% | -183.91% | -13,808 bps | |
| Net Interest Margin | 2.55% | 2.50% | 2.08% | 1.99% | 2.09% | 2.01% | 2.07% | 2.22% | +24 bps | |
| Efficiency Ratio | 89.90% | 93.83% | 114.91% | 123.76% | 132.76% | 136.88% | 118.19% | 170.24% | +4,648 bps | |
| Non-Interest Burden | 2.21% | 2.75% | 2.55% | 2.71% | 3.05% | 3.07% | 2.69% | 3.88% | +118 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.88% | 20.12% | 11.14% | -3.66% | -9.01% | -5.78% | -9.80% | -7.68% | -401 bps | |
| Loan Growth (YoY) | 26.20% | 24.21% | 16.73% | 8.18% | -1.83% | -5.93% | -7.84% | -16.28% | -2,445 bps | |
| Deposit Growth (YoY) | 21.79% | 23.12% | 15.82% | 1.45% | -2.97% | -0.28% | -5.20% | -3.32% | -477 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 | 0.90% | 0.89% | 1.34% | 2.02% | 3.07% | 4.83% | 0.59% | 5.13% | +311 bps | |
| Allowance / Loans | 1.36% | 1.76% | 1.63% | 1.61% | 2.25% | 2.94% | 3.29% | 4.03% | +243 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 | 12.17% | 11.74% | 11.88% | 10.12% | 9.09% | 6.64% | 6.12% | 2.99% | -713 bps | |
| Equity / Assets | 8.22% | 7.59% | 7.19% | 6.15% | 5.87% | 3.25% | 3.14% | 1.50% | -464 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.59% | 69.57% | 69.65% | 73.44% | 73.44% | 65.63% | 67.71% | 63.59% | -985 bps | |
| Liquid Assets / Assets | 0.43% | 0.44% | 0.31% | 0.28% | 0.24% | 5.59% | 3.15% | 7.35% | +707 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |