Macon, GA · Cert 27367
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -9.20% | -7.09% | -8.01% | -1.04% | -6.72% | +247 bps | |
| Return on Equity | -90.96% | -75.20% | -93.23% | -20.85% | -157.09% | -6,614 bps | |
| Net Interest Margin | 2.48% | 2.52% | 2.36% | 1.41% | 1.27% | -121 bps | |
| Efficiency Ratio | 74.65% | 84.77% | 88.95% | 125.51% | 237% | +16,218 bps | |
| Non-Interest Burden | 8.01% | 6.46% | 5.44% | 1.87% | 3.03% | -498 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.11% | 4.08% | -4.50% | -10.00% | -30.53% | -4,265 bps | |
| Loan Growth (YoY) | 5.44% | -5.05% | -5.74% | -11.46% | -23.53% | -2,897 bps | |
| Deposit Growth (YoY) | 17.50% | 7.08% | -2.06% | -7.99% | -28.35% | -4,585 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 7.71% | 6.44% | 6.13% | 2.86% | 6.20% | -151 bps | |
| Allowance / Loans | 2.20% | 2.83% | 3.35% | 2.88% | 4.36% | +216 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 | 10.33% | 10.12% | 7.11% | 6.86% | 3.71% | -662 bps | |
| Equity / Assets | 7.58% | 7.34% | 5.02% | 4.93% | 2.49% | -509 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.41% | 90.63% | 91.07% | 92.10% | 94.36% | +595 bps | |
| Liquid Assets / Assets | 0.12% | 0.04% | 5.38% | 3.66% | 1.60% | +148 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |