Sparta, GA · Cert 22286
FDIC
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 1.11% | 0.00% | 0.11% | -0.50% | -2.03% | -4.29% | -6.02% | -612 bps | |
| Return on Equity | 7.95% | 16.48% | 0.02% | 1.63% | -7.57% | -36.64% | -88.49% | -151.61% | -15,323 bps | |
| Net Interest Margin | 4.16% | 3.24% | 2.21% | 2.30% | 2.19% | 1.40% | 1.36% | 1.65% | -65 bps | |
| Efficiency Ratio | 51.36% | 63.42% | 87.20% | 86.99% | 103.34% | 189.16% | 221% | 244% | +15,751 bps | |
| Non-Interest Burden | 2.09% | 1.90% | 1.89% | 1.96% | 2.28% | 2.97% | 3.07% | 4.43% | +247 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.07% | 4.61% | 11.31% | 13.51% | 12.65% | 13.29% | 4.52% | -2.08% | -1,560 bps | |
| Loan Growth (YoY) | 3.45% | 9.21% | 11.95% | 12.44% | 3.23% | -6.64% | -10.45% | -16.92% | -2,936 bps | |
| Deposit Growth (YoY) | 8.36% | 2.31% | 7.69% | 12.61% | 17.26% | 27.56% | 19.18% | 14.32% | +171 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 | 0.89% | 0.10% | 0.05% | 0.18% | 1.36% | 0.16% | 1.26% | 3.14% | +296 bps | |
| Allowance / Loans | 1.82% | 1.77% | 1.87% | 1.66% | 0.89% | 1.08% | 2.14% | 2.09% | +44 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 | 9.66% | 9.16% | 9.47% | 9.12% | 8.41% | 8.19% | 6.59% | 3.43% | -569 bps | |
| Equity / Assets | 6.82% | 6.65% | 6.85% | 6.54% | 5.94% | 5.13% | 3.47% | 1.30% | -525 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.05% | 104.37% | 100.96% | 100.57% | 87.19% | 76.39% | 75.86% | 73.09% | -2,748 bps | |
| Liquid Assets / Assets | 0.07% | 0.36% | 0.26% | 0.23% | 0.42% | 0.23% | 0.19% | 0.12% | -11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |