Rome, GA · Cert 27797
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 | 0.99% | 0.93% | 0.84% | 0.91% | 0.45% | 0.29% | 0.32% | -0.27% | -118 bps | |
| Return on Equity | 12.25% | 11.43% | 10.25% | 11.22% | 5.79% | 3.64% | 4.01% | -3.12% | -1,435 bps | |
| Net Interest Margin | 3.37% | 3.36% | 3.47% | 3.17% | 3.04% | 2.98% | 3.08% | 3.33% | +17 bps | |
| Efficiency Ratio | 48.33% | 47.79% | 46.78% | 48.73% | 56.86% | 53.71% | 52.24% | 50.99% | +226 bps | |
| Non-Interest Burden | 1.35% | 1.35% | 1.36% | 1.27% | 1.62% | 1.45% | 1.43% | 1.41% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.97% | 2.80% | 3.54% | 5.33% | 7.29% | 12.03% | 7.43% | 1.96% | -337 bps | |
| Loan Growth (YoY) | 7.63% | 4.49% | 4.80% | 3.10% | 1.14% | 2.56% | -0.83% | -3.05% | -616 bps | |
| Deposit Growth (YoY) | -0.68% | 0.41% | 9.24% | 15.99% | 18.48% | 22.69% | 16.29% | 8.30% | -769 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 | 0.69% | 0.88% | 0.68% | 0.21% | 0.12% | 0.20% | 0.26% | 1.72% | +151 bps | |
| Allowance / Loans | 0.88% | 0.82% | 1.13% | 1.20% | 1.48% | 2.05% | 2.36% | 2.73% | +153 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 | 10.14% | 10.68% | 11.06% | 10.85% | 10.38% | 11.84% | 11.99% | 12.21% | +136 bps | |
| Equity / Assets | 7.96% | 8.39% | 8.25% | 8.01% | 7.28% | 8.26% | 8.51% | 8.68% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 126.26% | 126.32% | 126.24% | 114.15% | 107.79% | 105.59% | 107.66% | 102.18% | -1,197 bps | |
| Liquid Assets / Assets | 0.04% | 0.07% | 0.06% | 0.01% | 0.47% | 1.28% | 0.01% | 0.02% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |