Perry, GA · Cert 27048
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Perry, GA · Cert 27048
FDIC
Q2 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 0.90% | -0.06% | -0.26% | -0.06% | -0.72% | -1.19% | -2.76% | -249 bps | |
| Return on Equity | 15.51% | 11.67% | -0.93% | -3.90% | -0.97% | -11.40% | -22.41% | -55.74% | -5,184 bps | |
| Net Interest Margin | 4.17% | 4.01% | 3.31% | 3.10% | 2.97% | 2.59% | 1.39% | 1.27% | -183 bps | |
| Efficiency Ratio | 47.49% | 47.26% | 56.20% | 57.13% | 58.61% | 60.59% | 98.00% | 121.33% | +6,420 bps | |
| Non-Interest Burden | 1.46% | 1.40% | 1.48% | 1.40% | 1.40% | 1.26% | 1.35% | 1.64% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.39% | 10.77% | 13.55% | 11.56% | 14.17% | 13.92% | 11.88% | 9.22% | -234 bps | |
| Loan Growth (YoY) | 11.91% | 11.50% | 0.77% | 0.14% | -4.41% | -9.74% | -11.66% | -17.68% | -1,781 bps | |
| Deposit Growth (YoY) | 8.76% | 12.45% | 11.61% | 9.15% | 5.76% | 5.31% | 14.15% | 10.20% | +105 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 | 0.43% | 0.84% | 2.84% | 2.80% | 2.67% | 4.36% | 1.02% | 2.10% | -71 bps | |
| Allowance / Loans | 1.35% | 1.60% | 1.62% | 1.73% | 1.52% | 1.65% | 2.30% | 1.69% | -5 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 | 10.37% | 10.27% | 10.11% | 10.09% | 10.59% | 10.13% | 10.03% | 8.55% | -154 bps | |
| Equity / Assets | 7.78% | 7.25% | 6.72% | 6.22% | 6.24% | 5.42% | 5.18% | 4.21% | -201 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.24% | 85.21% | 89.72% | 88.17% | 85.18% | 73.03% | 69.43% | 65.86% | -2,230 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 12.43% | 15.04% | 24.51% | +2,451 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |