Folkston, GA · Cert 34152
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.19%1 | -0.71% | -8.01% | -16.41% | -2.17% | -235 bps | |
| Return on Equity | 2.03% | -8.43% | -116.43% | -394% | -103.62% | -10,566 bps | |
| Net Interest Margin | 2.32% | 1.73% | 1.20% | 0.66% | 1.11% | -122 bps | |
| Efficiency Ratio | 97.54% | 125.80% | 196.95% | 647% | 245% | +14,762 bps | |
| Non-Interest Burden | 2.26% | 2.24% | 2.42% | 4.73% | 2.96% | +70 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.18% | 11.42% | 17.38% | 1.67% | -9.73% | -1,291 bps | |
| Loan Growth (YoY) | 3.29% | -1.08% | -4.73% | -8.92% | -17.29% | -2,058 bps | |
| Deposit Growth (YoY) | 5.23% | 14.65% | 24.92% | 10.75% | -2.64% | -787 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.33% | 2.35% | 12.91% | 10.27% | 2.12% | +179 bps | |
| Allowance / Loans | 3.37% | 3.14% | 3.01% | 4.90% | 4.89% | +152 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 | 12.33% | 12.64% | 10.29% | 4.63% | 3.87% | -846 bps | |
| Equity / Assets | 8.92% | 7.99% | 5.81% | 2.24% | 1.93% | -699 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.68% | 79.71% | 70.88% | 76.55% | 77.04% | -1,364 bps | |
| Liquid Assets / Assets | 0.18% | 7.90% | 18.33% | 12.29% | 11.43% | +1,125 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |