Barnesville, GA · Cert 2119
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Barnesville, GA · Cert 2119
FDIC
Q3 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | -0.99% | -2.75% | -1.85% | -1.92% | -1.05% | -9.80% | -7.11% | -526 bps | |
| Return on Equity | 1.28% | -11.65% | -33.93% | -23.40% | -24.85% | -15.19% | -179.20% | -152.18% | -12,879 bps | |
| Net Interest Margin | 3.40% | 3.14% | 2.98% | 3.01% | 3.12% | 3.11% | 3.01% | 2.61% | -41 bps | |
| Efficiency Ratio | 72.99% | 69.57% | 77.40% | 83.56% | 109.38% | 91.61% | 133.24% | 144.84% | +6,128 bps | |
| Non-Interest Burden | 2.39% | 1.96% | 2.17% | 2.49% | 3.36% | 2.80% | 3.86% | 3.67% | +118 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.50% | 9.39% | 6.47% | 3.54% | -3.61% | -7.02% | -7.89% | -12.14% | -1,568 bps | |
| Loan Growth (YoY) | 10.14% | 10.27% | 10.92% | 5.32% | -6.53% | -12.20% | -16.22% | -22.21% | -2,753 bps | |
| Deposit Growth (YoY) | 10.07% | 12.78% | 9.83% | 6.54% | -0.90% | -5.04% | 0.59% | -4.65% | -1,119 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 | 1.28% | 0.43% | 0.99% | 0.73% | 2.33% | 3.50% | 11.85% | 11.81% | +1,109 bps | |
| Allowance / Loans | 1.68% | 2.20% | 3.45% | 3.37% | 3.13% | 3.00% | 3.72% | 1.47% | -191 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 | 11.52% | 11.24% | 10.00% | 10.33% | 9.84% | 9.79% | 3.04% | 2.57% | -775 bps | |
| Equity / Assets | 8.79% | 8.29% | 7.27% | 7.28% | 7.03% | 6.84% | 2.41% | 2.12% | -516 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.12% | 91.19% | 92.07% | 90.82% | 86.88% | 84.32% | 76.68% | 74.10% | -1,673 bps | |
| Liquid Assets / Assets | 0.07% | 0.07% | 0.37% | 0.22% | 0.14% | 0.34% | 0.64% | 1.37% | +116 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |