Jasper, GA · Cert 27559
FDIC
Q2 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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.65% | -2.88% | -3.34% | -5.29% | -3.84% | -119 bps | |
| Return on Equity | -50.83% | -59.67% | -75.89% | -279% | -256% | -20,512 bps | |
| Net Interest Margin | 1.06% | 1.12% | 1.24% | 1.66% | 1.34% | +28 bps | |
| Efficiency Ratio | 178.61% | 163.82% | 167.71% | 131.90% | 188.61% | +999 bps | |
| Non-Interest Burden | 2.19% | 2.07% | 2.34% | 2.31% | 2.84% | +65 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.26% | -0.93% | -4.20% | -4.72% | -6.33% | -1,259 bps | |
| Loan Growth (YoY) | -5.69% | -6.38% | -6.93% | -8.78% | -15.84% | -1,015 bps | |
| Deposit Growth (YoY) | 11.63% | 4.22% | -0.51% | -0.27% | -1.88% | -1,351 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.32% | 2.16% | 2.81% | 7.26% | 8.42% | +710 bps | |
| Allowance / Loans | 3.25% | 3.33% | 3.82% | 3.77% | 1.88% | -137 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 | 6.84% | 5.81% | 4.44% | 2.80% | 1.58% | -526 bps | |
| Equity / Assets | 4.53% | 3.64% | 2.58% | 1.22% | 0.69% | -384 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.22% | 78.73% | 78.41% | 73.34% | 69.67% | -1,155 bps | |
| Liquid Assets / Assets | 12.61% | 16.11% | 14.94% | 19.32% | 17.80% | +518 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |