Cartersville, GA · Cert 21495
FDIC
Q1 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.30% | -2.22% | -2.70% | -1.40% | -2.13% | -2.28% | -4.92% | -2.21% | -80 bps | |
| Return on Equity | -34.41% | -34.04% | -43.33% | -28.47% | -44.05% | -48.66% | -123.05% | -422% | -39,338 bps | |
| Net Interest Margin | 1.77% | 1.80% | 1.72% | 1.46% | 1.64% | 1.84% | 1.88% | 2.08% | +62 bps | |
| Efficiency Ratio | 205% | 154.08% | 147.03% | 139.77% | 206% | 189.61% | 175.10% | 265% | +12,482 bps | |
| Non-Interest Burden | 3.01% | 2.66% | 2.52% | 2.22% | 3.14% | 3.36% | 3.37% | 4.30% | +208 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.73% | 1.37% | 1.88% | -7.58% | -12.59% | -17.57% | -22.71% | -23.68% | -1,610 bps | |
| Loan Growth (YoY) | -5.65% | -10.22% | -12.28% | -10.66% | -14.03% | -17.31% | -19.57% | -20.58% | -992 bps | |
| Deposit Growth (YoY) | 13.77% | 13.30% | 11.37% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.32% | 2.68% | 3.99% | 1.87% | 2.55% | 4.73% | 5.23% | 10.65% | +877 bps | |
| Allowance / Loans | 2.21% | 2.24% | 2.75% | 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 | 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 | 10.15% | 10.02% | 8.43% | 8.18% | 6.19% | 4.90% | 2.16% | 0.67% | -751 bps | |
| Equity / Assets | 6.26% | 6.04% | 5.01% | 4.85% | 4.60% | 4.17% | 0.76% | 0.27% | -458 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.82% | 79.96% | 77.80% | 78.21% | 80.86% | 77.47% | 76.53% | 76.62% | -158 bps | |
| Liquid Assets / Assets | 12.44% | 18.71% | 22.19% | 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 | n/a | n/a | n/a |