Macon, GA · Cert 27367
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.31% | -1.24% | -4.92% | -13.38% | -2.76% | -10.79% | -1.04% | -12.97% | +41 bps | |
| Return on Equity | -2.66% | -10.64% | -43.09% | -141.50% | -36.93% | -173.82% | -20.85% | -337% | -19,545 bps | |
| Net Interest Margin | 3.71% | 3.51% | 2.42% | 2.60% | 2.43% | 1.65% | 1.41% | 0.97% | -163 bps | |
| Efficiency Ratio | 58.92% | 60.01% | 79.99% | 69.62% | 112.73% | 108.05% | 125.51% | 561% | +49,138 bps | |
| Non-Interest Burden | 1.76% | 1.82% | 1.81% | 14.25% | 2.78% | 1.86% | 1.87% | 3.97% | -1,028 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.93% | 18.36% | 16.19% | 12.11% | 4.08% | -4.50% | -10.00% | -30.53% | -4,265 bps | |
| Loan Growth (YoY) | 24.54% | 14.15% | 12.69% | 5.44% | -5.05% | -5.74% | -11.46% | -23.53% | -2,897 bps | |
| Deposit Growth (YoY) | 20.75% | 23.78% | 22.21% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.06% | 4.27% | 7.14% | 8.15% | 2.94% | 4.78% | 2.86% | 9.01% | +87 bps | |
| Allowance / Loans | 1.38% | 1.50% | 2.37% | 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 | 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 | 10.35% | 10.13% | 10.25% | 10.33% | 10.12% | 7.11% | 6.86% | 3.71% | -662 bps | |
| Equity / Assets | 11.92% | 11.47% | 11.39% | 7.58% | 7.34% | 5.02% | 4.93% | 2.49% | -509 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.20% | 94.62% | 95.71% | 88.41% | 90.63% | 91.07% | 92.10% | 94.36% | +595 bps | |
| Liquid Assets / Assets | 0.08% | 0.09% | 0.16% | 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 | n/a | n/a | n/a |