Winder, GA · Cert 34594
FDIC
Q2 2009
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.89% | -9.15% | -8.62% | -2.20% | -7.16% | -628 bps | |
| Return on Equity | -10.05% | -120.07% | -149.69% | -48.36% | -205% | -19,497 bps | |
| Net Interest Margin | 1.31% | 1.03% | -0.07% | -0.17% | 0.55% | -75 bps | |
| Efficiency Ratio | 209% | n/a | 80.71% | n/a | n/a | n/a | |
| Non-Interest Burden | 2.71% | 8.65% | -0.58% | 4.32% | 7.44% | +473 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 | 2.66% | -0.08% | 15.09% | 2.89% | 4.70% | +204 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 |