Jackson, GA · Cert 19237
FDIC
Q1 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.38% | -1.44% | -3.08% | -7.90% | -4.58% | -3.71% | -3.73% | -2.84% | +506 bps | |
| Return on Equity | -18.85% | -19.98% | -45.64% | -200% | -128.58% | -111.11% | -123.49% | -219% | -1,893 bps | |
| Net Interest Margin | 2.43% | 2.56% | 2.48% | 2.13% | 2.12% | 2.22% | 2.26% | 2.13% | 0 bps | |
| Efficiency Ratio | 92.33% | 107.07% | 125.20% | 150.92% | 139.62% | 137.72% | 149.80% | 230% | +7,916 bps | |
| Non-Interest Burden | 2.20% | 2.76% | 3.14% | 3.31% | 3.17% | 3.31% | 3.59% | 4.15% | +84 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.60% | -7.11% | -9.17% | -11.34% | -11.11% | -16.89% | -16.88% | -13.62% | -229 bps | |
| Loan Growth (YoY) | -11.49% | -9.87% | -14.59% | -16.56% | -17.60% | -18.49% | -16.97% | -14.50% | +205 bps | |
| Deposit Growth (YoY) | -3.27% | -6.09% | -6.06% | -6.47% | -6.24% | -12.82% | -13.59% | -11.73% | -525 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 | 2.00% | 2.01% | 3.79% | 3.65% | 2.61% | 3.18% | 4.21% | 0.04% | -361 bps | |
| Allowance / Loans | 2.70% | 3.26% | 2.76% | 4.62% | 4.76% | 4.16% | 3.45% | 3.87% | -75 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 | 9.58% | 8.43% | 7.83% | 5.40% | 5.19% | 4.76% | 3.49% | 2.54% | -286 bps | |
| Equity / Assets | 7.18% | 6.75% | 4.83% | 3.02% | 2.75% | 2.58% | 1.61% | 0.97% | -204 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.67% | 79.78% | 74.50% | 70.63% | 70.90% | 74.59% | 71.59% | 68.41% | -222 bps | |
| Liquid Assets / Assets | 5.59% | 7.83% | 7.76% | 8.65% | 9.37% | 8.85% | 10.94% | 10.31% | +166 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |