Thomasville, GA · Cert 190
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Thomasville, GA · Cert 190
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 | 1.07% | 0.46% | 0.19% | -2.36% | -1.62% | -2.31% | -3.91% | 3.05% | +540 bps | |
| Return on Equity | 12.30% | 5.29% | 2.25% | -28.05% | -19.56% | -28.46% | -49.18% | 38.57% | +6,662 bps | |
| Net Interest Margin | 3.56% | 3.46% | 3.24% | 2.80% | 2.90% | 2.76% | 2.77% | 2.82% | +2 bps | |
| Efficiency Ratio | 36.52% | 38.04% | 41.06% | 60.30% | 78.10% | 79.65% | 73.93% | 58.18% | -212 bps | |
| Non-Interest Burden | 0.91% | 0.99% | 1.06% | 1.78% | 2.41% | 2.33% | 2.14% | 1.45% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.56% | 4.84% | 6.39% | -0.66% | -1.47% | 8.84% | -2.14% | -4.20% | -353 bps | |
| Loan Growth (YoY) | 9.47% | 3.95% | 7.10% | -1.74% | -1.73% | -2.32% | -20.57% | -18.61% | -1,687 bps | |
| Deposit Growth (YoY) | -9.30% | -6.90% | 14.15% | 6.12% | 13.28% | 17.81% | 0.90% | -2.49% | -861 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 | 1.15% | 2.52% | 1.92% | 5.09% | 3.13% | 4.48% | 6.95% | 0.99% | -410 bps | |
| Allowance / Loans | 1.66% | 1.43% | 1.97% | 2.24% | 2.29% | 2.66% | 2.54% | 2.24% | 0 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 | 10.12% | 10.38% | 10.05% | 10.20% | 10.21% | 10.46% | 10.58% | 12.24% | +204 bps | |
| Equity / Assets | 8.34% | 8.72% | 8.36% | 8.44% | 8.10% | 7.57% | 7.26% | 8.58% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.25% | 110.18% | 105.87% | 106.52% | 101.72% | 91.36% | 83.34% | 88.90% | -1,762 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.02% | 0.53% | 1.02% | 1.41% | 0.91% | +89 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |