Jasper, GA · Cert 27559
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.44% | -8.93% | -1.80% | -3.48% | -3.35% | -4.71% | -5.29% | -2.34% | +114 bps | |
| Return on Equity | -5.33% | -128.91% | -32.46% | -70.83% | -81.84% | -151.01% | -279% | -243% | -17,241 bps | |
| Net Interest Margin | 1.89% | 1.44% | 1.03% | 1.09% | 1.19% | 1.56% | 1.66% | 1.00% | -9 bps | |
| Efficiency Ratio | 94.45% | 169.89% | 178.09% | 179.10% | 135.81% | 176.69% | 131.90% | 277% | +9,832 bps | |
| Non-Interest Burden | 1.78% | 3.98% | 2.12% | 2.26% | 1.74% | 3.06% | 2.31% | 3.33% | +107 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.89% | 12.97% | 11.75% | 6.26% | -0.93% | -4.20% | -4.72% | -6.33% | -1,259 bps | |
| Loan Growth (YoY) | 0.34% | -3.58% | -5.80% | -5.69% | -6.38% | -6.93% | -8.78% | -15.84% | -1,015 bps | |
| Deposit Growth (YoY) | 19.41% | 18.92% | 17.26% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.86% | 2.25% | 1.78% | 0.84% | 3.79% | 4.55% | 7.26% | 8.92% | +807 bps | |
| Allowance / Loans | 1.56% | 2.83% | 2.77% | 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 | 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 | 10.13% | 8.31% | 7.77% | 6.84% | 5.81% | 4.44% | 2.80% | 1.58% | -526 bps | |
| Equity / Assets | 8.01% | 5.84% | 5.28% | 4.53% | 3.64% | 2.58% | 1.22% | 0.69% | -384 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.65% | 83.82% | 80.19% | 81.22% | 78.73% | 78.41% | 73.34% | 69.67% | -1,155 bps | |
| Liquid Assets / Assets | 2.95% | 6.48% | 9.75% | 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 | n/a | n/a | n/a |