Albany, GA · Cert 20246
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 | 0.33% | 0.58% | 0.29% | -0.74% | -0.66% | -1.16% | -1.10% | 0.56% | +130 bps | |
| Return on Equity | 4.33% | 7.56% | 3.78% | -9.89% | -8.84% | -15.26% | -14.23% | 6.71% | +1,660 bps | |
| Net Interest Margin | 3.59% | 3.52% | 3.00% | 3.22% | 3.28% | 3.36% | 3.53% | 3.67% | +45 bps | |
| Efficiency Ratio | 58.67% | 57.91% | 58.65% | 63.35% | 71.09% | 66.15% | 63.17% | 58.18% | -517 bps | |
| Non-Interest Burden | 1.99% | 1.91% | 1.61% | 1.87% | 2.28% | 2.09% | 2.06% | 1.85% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.42% | 7.64% | 7.58% | 55.43% | 52.06% | 46.16% | 42.17% | -5.61% | -6,103 bps | |
| Loan Growth (YoY) | 9.10% | 7.03% | 5.58% | 47.68% | 43.75% | 41.52% | 36.03% | -8.16% | -5,584 bps | |
| Deposit Growth (YoY) | 0.26% | 21.20% | 21.62% | 81.12% | 71.05% | 48.30% | 44.25% | -6.22% | -8,734 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 | 0.32% | 0.32% | 0.50% | 3.56% | 2.38% | 3.89% | 4.34% | 0.78% | -277 bps | |
| Allowance / Loans | 2.10% | 2.02% | 2.46% | 2.08% | 2.32% | 2.35% | 2.19% | 2.37% | +29 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 | 10.11% | 10.33% | 10.08% | 10.09% | 10.35% | 10.61% | 11.38% | 12.05% | +196 bps | |
| Equity / Assets | 7.41% | 7.55% | 7.45% | 7.45% | 7.60% | 7.84% | 8.36% | 8.48% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.83% | 96.99% | 97.19% | 90.50% | 91.46% | 92.55% | 91.65% | 88.62% | -188 bps | |
| Liquid Assets / Assets | 0.04% | 0.01% | 0.07% | 0.05% | 0.58% | 1.57% | 0.02% | 0.03% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |