Newnan, GA · Cert 20827
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.66% | -4.81% | -6.58% | -2.75% | -9.95% | -929 bps | |
| Return on Equity | -5.88% | -44.12% | -67.45% | -30.50% | -108.50% | -10,262 bps | |
| Net Interest Margin | 2.97% | 2.89% | 2.86% | 2.70% | 2.71% | -26 bps | |
| Efficiency Ratio | 79.64% | 88.78% | 82.99% | 89.40% | 249% | +16,944 bps | |
| Non-Interest Burden | 2.33% | 2.51% | 2.31% | 2.41% | 4.58% | +224 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.30% | -8.18% | -8.92% | -14.18% | -7.62% | -331 bps | |
| Loan Growth (YoY) | -20.14% | -23.39% | -23.59% | -23.52% | -27.87% | -773 bps | |
| Deposit Growth (YoY) | 1.31% | -1.84% | -3.91% | -6.66% | -5.12% | -644 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.69% | 12.20% | 9.87% | 7.34% | 13.22% | +1,152 bps | |
| Allowance / Loans | 3.10% | 3.54% | 3.22% | 4.08% | 4.73% | +163 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 | 15.15% | 14.21% | 14.22% | 14.15% | 16.58% | +143 bps | |
| Equity / Assets | 11.39% | 10.40% | 9.09% | 8.94% | 9.39% | -200 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.52% | 73.95% | 69.66% | 67.02% | 59.69% | -1,882 bps | |
| Liquid Assets / Assets | 0.02% | 0.57% | 1.58% | 0.02% | 0.02% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |