Valdosta, GA · Cert 19797
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 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.61% | -4.29% | -3.43% | -3.91% | -0.52% | +109 bps | |
| Return on Equity | -33.43% | -97.91% | -83.62% | -105.52% | -28.21% | +522 bps | |
| Net Interest Margin | 1.50% | 1.62% | 1.78% | 1.85% | 1.90% | +40 bps | |
| Efficiency Ratio | 166.67% | 222% | 207% | 241% | 127.96% | -3,872 bps | |
| Non-Interest Burden | 2.52% | 3.18% | 3.34% | 3.60% | 2.48% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.15% | -12.84% | -16.44% | -22.59% | -32.03% | -2,489 bps | |
| Loan Growth (YoY) | -19.41% | -28.83% | -32.99% | -29.46% | -29.42% | -1,000 bps | |
| Deposit Growth (YoY) | -3.51% | -8.02% | -13.07% | -20.83% | -32.13% | -2,862 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.41% | 3.64% | 5.04% | 4.19% | 2.43% | +202 bps | |
| Allowance / Loans | 4.03% | 5.27% | 4.50% | 5.93% | 5.69% | +166 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 8.07% | 6.18% | 5.92% | 4.09% | 3.98% | -409 bps | |
| Equity / Assets | 4.62% | 3.38% | 3.13% | 1.79% | 1.95% | -267 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.99% | 68.64% | 66.75% | 68.63% | 73.82% | +283 bps | |
| Liquid Assets / Assets | 15.84% | 14.15% | 14.47% | 13.41% | 8.16% | -768 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |