Warner Robins, GA · Cert 25804
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.64% | -2.01% | -2.61% | -3.65% | -5.06% | -142 bps | |
| Return on Equity | -46.08% | -25.60% | -33.98% | -43.77% | -46.31% | -23 bps | |
| Net Interest Margin | 2.31% | 2.46% | 2.56% | 2.80% | 3.74% | +143 bps | |
| Efficiency Ratio | 112.88% | 115.85% | 128.73% | 153.61% | 66.05% | -4,683 bps | |
| Non-Interest Burden | 2.58% | 2.79% | 3.14% | 3.71% | 2.36% | -22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.21% | -7.89% | -11.88% | -14.74% | -17.24% | -1,503 bps | |
| Loan Growth (YoY) | -7.84% | -22.21% | -26.15% | -28.98% | -31.84% | -2,400 bps | |
| Deposit Growth (YoY) | 0.71% | -3.28% | -11.06% | -17.42% | -19.07% | -1,979 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 3.50% | 4.62% | 6.37% | 6.60% | 8.89% | +539 bps | |
| Allowance / Loans | 4.15% | 3.68% | 3.70% | 3.86% | 3.67% | -48 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 | 10.16% | 11.15% | 10.59% | 16.35% | 16.37% | +622 bps | |
| Equity / Assets | 7.69% | 7.79% | 7.16% | 11.22% | 10.63% | +294 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.00% | 76.96% | 74.23% | 77.13% | 74.13% | -1,388 bps | |
| Liquid Assets / Assets | 0.00% | 0.89% | 1.67% | 0.90% | 1.24% | +124 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |