Winder, GA · Cert 34594
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Winder, GA · Cert 34594
FDIC
Q2 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.79% | -3.57% | -4.81% | -2.20% | -4.68% | -389 bps | |
| Return on Equity | -8.77% | -42.64% | -62.32% | -48.36% | -117.55% | -10,878 bps | |
| Net Interest Margin | 1.76% | 1.53% | 1.14% | -0.17% | 0.19% | -157 bps | |
| Efficiency Ratio | 161.92% | n/a | 716% | n/a | n/a | n/a | |
| Non-Interest Burden | 2.89% | 4.83% | 3.51% | 4.32% | 5.98% | +309 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.29% | 0.39% | -5.12% | -6.54% | -13.95% | -1,266 bps | |
| Loan Growth (YoY) | -6.02% | -14.36% | -20.38% | -26.13% | -25.63% | -1,962 bps | |
| Deposit Growth (YoY) | 1.22% | 4.39% | -0.50% | -1.45% | -8.36% | -958 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.71% | 1.18% | 4.72% | 2.89% | 3.85% | +215 bps | |
| Allowance / Loans | 1.51% | 2.45% | 2.31% | 2.57% | 1.62% | +12 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 | 11.28% | 9.06% | 6.90% | 6.26% | 4.51% | -677 bps | |
| Equity / Assets | 8.65% | 6.56% | 4.91% | 4.20% | 2.73% | -592 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.36% | 76.29% | 73.22% | 63.32% | 65.22% | -1,515 bps | |
| Liquid Assets / Assets | 0.01% | 0.02% | 0.00% | 0.03% | 0.01% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |