Ellijay, GA · Cert 33989
FDIC
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.44% | -0.02% | -0.23% | -0.51% | -5.54% | -6.09% | -5.49% | -526 bps | |
| Return on Equity | 6.71% | 5.62% | -0.29% | -3.07% | -7.90% | -98.41% | -126.67% | -129.42% | -12,634 bps | |
| Net Interest Margin | 3.88% | 3.75% | 3.41% | 3.19% | 2.23% | 1.61% | 1.60% | 1.61% | -158 bps | |
| Efficiency Ratio | 71.71% | 72.39% | 76.18% | 75.74% | 100.13% | 137.34% | 150.68% | 161.26% | +8,552 bps | |
| Non-Interest Burden | 2.72% | 2.63% | 2.53% | 2.34% | 2.23% | 2.66% | 2.75% | 2.90% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.17% | 17.74% | 18.82% | 17.17% | 16.92% | 8.83% | 2.37% | -8.31% | -2,548 bps | |
| Loan Growth (YoY) | 19.85% | 17.52% | 13.39% | 5.90% | 0.55% | -5.34% | -11.46% | -18.60% | -2,450 bps | |
| Deposit Growth (YoY) | 13.24% | 16.77% | 18.50% | 19.55% | 20.88% | 11.98% | 6.72% | -2.30% | -2,186 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 | 0.23% | 0.38% | 0.49% | 0.99% | 1.97% | 4.31% | 5.51% | 6.26% | +526 bps | |
| Allowance / Loans | 1.20% | 1.22% | 1.57% | 1.67% | 1.62% | 2.68% | 3.25% | 3.58% | +191 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 | 10.20% | 10.17% | 10.69% | 10.08% | 10.08% | 7.26% | 4.98% | 3.82% | -626 bps | |
| Equity / Assets | 7.85% | 7.68% | 7.24% | 6.70% | 6.29% | 3.86% | 2.21% | 1.78% | -492 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.26% | 96.00% | 92.71% | 86.76% | 82.56% | 81.16% | 76.91% | 72.29% | -1,447 bps | |
| Liquid Assets / Assets | 0.58% | 0.82% | 1.25% | 0.07% | 0.01% | 12.05% | 14.70% | 10.18% | +1,011 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |