Athens, GA · Cert 28225
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.67% | -0.45% | -0.75% | -1.07% | -1.78% | -2.97% | -4.38% | -363 bps | |
| Return on Equity | 10.83% | 8.01% | -5.24% | -8.45% | -12.56% | -22.35% | -37.70% | -53.57% | -4,513 bps | |
| Net Interest Margin | 3.15% | 4.31% | 2.74% | 2.89% | 3.05% | 3.09% | 3.07% | 3.37% | +49 bps | |
| Efficiency Ratio | 53.11% | 61.91% | 70.49% | 74.46% | 74.09% | 105.13% | 81.38% | 69.17% | -529 bps | |
| Non-Interest Burden | 1.33% | 2.43% | 1.79% | 2.15% | 2.22% | 3.20% | 2.56% | 2.30% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.75% | 27.01% | 22.16% | 20.26% | 19.79% | 5.39% | -3.58% | -3.92% | -2,417 bps | |
| Loan Growth (YoY) | 4.96% | 26.45% | 20.12% | 20.50% | 20.05% | -2.35% | -3.67% | -6.09% | -2,659 bps | |
| Deposit Growth (YoY) | 13.16% | 37.70% | 30.27% | 30.50% | 26.73% | 10.60% | 0.36% | -5.24% | -3,574 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 | 0.66% | 0.69% | 1.95% | 1.79% | 1.36% | 3.54% | 5.44% | 2.00% | +21 bps | |
| Allowance / Loans | 1.10% | 1.24% | 1.32% | 1.48% | 1.95% | 2.04% | 2.36% | 2.66% | +118 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 | 10.72% | 10.65% | 11.33% | 11.10% | 10.70% | 10.53% | 10.47% | 11.03% | -7 bps | |
| Equity / Assets | 8.56% | 8.30% | 8.99% | 8.79% | 8.29% | 7.69% | 8.10% | 8.25% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.86% | 103.64% | 101.94% | 99.02% | 95.55% | 91.50% | 97.85% | 98.13% | -89 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.00% | 0.01% | 1.04% | 1.66% | 0.52% | 0.60% | +59 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |