Dawsonville, GA · Cert 34578
FDIC
Q3 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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.86% | -2.35% | -2.53% | -3.11% | -5.69% | -383 bps | |
| Return on Equity | -28.91% | -38.26% | -55.23% | -72.78% | -163.80% | -13,490 bps | |
| Net Interest Margin | 0.94% | 1.06% | 1.80% | 1.86% | 1.92% | +97 bps | |
| Efficiency Ratio | 231% | 484% | 184.75% | 176.43% | 344% | +11,281 bps | |
| Non-Interest Burden | 2.46% | 3.48% | 3.55% | 3.51% | 4.62% | +216 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.68% | 0.18% | -3.67% | -11.21% | -16.01% | -1,769 bps | |
| Loan Growth (YoY) | -10.14% | -11.37% | -13.38% | -13.15% | -16.42% | -628 bps | |
| Deposit Growth (YoY) | 5.39% | 4.31% | 0.17% | -7.33% | -10.49% | -1,588 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.07% | 3.81% | 5.18% | 3.40% | 7.06% | +499 bps | |
| Allowance / Loans | 4.46% | 3.11% | 2.25% | 2.69% | 1.91% | -255 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 | 7.98% | 7.15% | 6.43% | 5.50% | 2.07% | -591 bps | |
| Equity / Assets | 5.48% | 4.86% | 4.31% | 3.63% | 0.87% | -462 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.98% | 75.73% | 72.65% | 73.37% | 70.94% | -503 bps | |
| Liquid Assets / Assets | 12.59% | 1.01% | 0.62% | 6.46% | 7.14% | -545 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |