Cartersville, GA · Cert 21495
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 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.40% | -2.88% | -2.61% | -14.01% | -2.21% | -80 bps | |
| Return on Equity | -28.47% | -60.86% | -59.49% | -553% | -422% | -39,338 bps | |
| Net Interest Margin | 1.46% | 1.72% | 2.00% | 1.76% | 2.08% | +62 bps | |
| Efficiency Ratio | 139.77% | 378% | 165.63% | 146.02% | 265% | +12,482 bps | |
| Non-Interest Burden | 2.22% | 3.90% | 3.35% | 2.97% | 4.30% | +208 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.58% | -12.59% | -17.57% | -22.71% | -23.68% | -1,610 bps | |
| Loan Growth (YoY) | -10.66% | -14.03% | -17.31% | -19.57% | -20.58% | -992 bps | |
| Deposit Growth (YoY) | -5.21% | -10.88% | -14.66% | -18.24% | -18.94% | -1,373 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.87% | 3.13% | 8.69% | 5.89% | 10.65% | +877 bps | |
| Allowance / Loans | 2.93% | 3.21% | 2.49% | 2.97% | 0.45% | -248 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 | 8.18% | 6.19% | 4.90% | 2.16% | 0.67% | -751 bps | |
| Equity / Assets | 4.85% | 4.60% | 4.17% | 0.76% | 0.27% | -458 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.21% | 80.86% | 77.47% | 76.53% | 76.62% | -158 bps | |
| Liquid Assets / Assets | 19.06% | 15.70% | 13.51% | 12.77% | 9.82% | -923 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |