Calhoun, GA · Cert 27173
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 0.98% | 0.42% | 0.06% | -0.02% | -1.14% | -1.06% | -9.90% | -996 bps | |
| Return on Equity | 14.49% | 12.05% | 5.09% | 0.74% | -0.25% | -13.74% | -12.61% | -114.81% | -11,555 bps | |
| Net Interest Margin | 3.27% | 3.17% | 3.08% | 2.80% | 3.03% | 3.03% | 3.08% | 3.37% | +57 bps | |
| Efficiency Ratio | 55.17% | 54.70% | 57.04% | 60.90% | 59.24% | 56.99% | 56.72% | 56.63% | -427 bps | |
| Non-Interest Burden | 1.55% | 1.52% | 1.59% | 1.51% | 1.57% | 1.50% | 1.54% | 1.66% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.00% | 8.88% | 4.50% | 1.61% | -2.13% | 1.26% | -5.89% | -4.08% | -569 bps | |
| Loan Growth (YoY) | 10.83% | 11.41% | 4.87% | 1.68% | -1.25% | -5.75% | -6.91% | -9.49% | -1,117 bps | |
| Deposit Growth (YoY) | 6.18% | 10.59% | 7.25% | 7.75% | 2.16% | 8.35% | 0.62% | 1.18% | -657 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 | -0.07% | 0.01% | 0.24% | 0.82% | 0.84% | 1.91% | 2.29% | 8.21% | +739 bps | |
| Allowance / Loans | 1.07% | 1.19% | 1.89% | 2.08% | 2.39% | 3.68% | 3.87% | 4.01% | +192 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 | 10.20% | 10.30% | 10.72% | 10.98% | 10.97% | 10.62% | 11.79% | 11.47% | +50 bps | |
| Equity / Assets | 8.06% | 8.00% | 8.50% | 8.48% | 8.51% | 7.76% | 9.02% | 8.23% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.05% | 116.55% | 111.45% | 106.42% | 110.25% | 101.38% | 103.11% | 95.19% | -1,123 bps | |
| Liquid Assets / Assets | 0.04% | 0.04% | 0.03% | 0.03% | 0.02% | 0.49% | 0.05% | 0.17% | +15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |