Newnan, GA · Cert 20827
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 | -0.68% | -1.07% | -1.67% | -0.66% | -2.68% | -3.93% | -3.65% | -9.95% | -929 bps | |
| Return on Equity | -8.18% | -12.85% | -18.80% | -5.88% | -24.57% | -37.54% | -35.85% | -108.50% | -10,262 bps | |
| Net Interest Margin | 3.17% | 3.04% | 2.86% | 2.97% | 2.98% | 3.00% | 2.91% | 2.71% | -26 bps | |
| Efficiency Ratio | 81.20% | 101.09% | 104.82% | 79.64% | 84.30% | 83.88% | 85.07% | 249% | +16,944 bps | |
| Non-Interest Burden | 2.60% | 3.07% | 2.96% | 2.33% | 2.46% | 2.46% | 2.44% | 4.58% | +224 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.60% | -6.40% | -2.08% | -4.30% | -8.18% | -8.92% | -14.18% | -7.62% | -331 bps | |
| Loan Growth (YoY) | -17.01% | -18.51% | -19.86% | -20.14% | -23.39% | -23.59% | -23.52% | -27.87% | -773 bps | |
| Deposit Growth (YoY) | -6.96% | -5.61% | 4.14% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.70% | 2.05% | 3.20% | 1.69% | 7.01% | 8.34% | 8.57% | 13.22% | +1,152 bps | |
| Allowance / Loans | 1.95% | 2.12% | 2.73% | 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 | 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 | 11.20% | 11.47% | 15.95% | 15.15% | 14.21% | 14.22% | 14.15% | 16.58% | +143 bps | |
| Equity / Assets | 8.40% | 8.41% | 10.94% | 11.39% | 10.40% | 9.09% | 8.94% | 9.39% | -200 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.76% | 87.60% | 81.79% | 78.52% | 73.95% | 69.66% | 67.02% | 59.69% | -1,882 bps | |
| Liquid Assets / Assets | 0.02% | 0.01% | 0.02% | 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 | n/a | n/a | n/a |