Valdosta, GA · Cert 19797
FDIC
Q1 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19%1 | -6.24% | -9.71% | -1.61% | -7.01% | -1.53% | -5.57% | -0.52% | +109 bps | |
| Return on Equity | 2.53% | -81.86% | -154.64% | -33.43% | -173.54% | -46.88% | -224% | -28.21% | +522 bps | |
| Net Interest Margin | 2.46% | 2.28% | 1.88% | 1.50% | 1.68% | 1.77% | 1.69% | 1.90% | +40 bps | |
| Efficiency Ratio | 79.04% | 85.60% | 285% | 166.67% | 314% | 180.32% | 741% | 127.96% | -3,872 bps | |
| Non-Interest Burden | 1.83% | 1.92% | 5.98% | 2.52% | 3.74% | 3.03% | 3.71% | 2.48% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.44% | -0.56% | -8.71% | -7.15% | -12.84% | -16.44% | -22.59% | -32.03% | -2,489 bps | |
| Loan Growth (YoY) | -4.55% | -9.22% | -15.82% | -19.41% | -28.83% | -32.99% | -29.46% | -29.42% | -1,000 bps | |
| Deposit Growth (YoY) | 3.78% | -0.10% | -7.06% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.17% | 5.00% | 13.25% | 0.41% | 6.80% | 7.16% | 0.86% | 2.43% | +202 bps | |
| Allowance / Loans | 2.14% | 4.48% | 3.64% | 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 | 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 | 10.87% | 10.02% | 8.26% | 8.07% | 6.18% | 5.92% | 4.09% | 3.98% | -409 bps | |
| Equity / Assets | 7.74% | 7.50% | 5.04% | 4.62% | 3.38% | 3.13% | 1.79% | 1.95% | -267 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.71% | 86.59% | 77.03% | 70.99% | 68.64% | 66.75% | 68.63% | 73.82% | +283 bps | |
| Liquid Assets / Assets | 9.30% | 10.07% | 13.78% | 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 | n/a | n/a | n/a |