Springfield, GA · Cert 34601
FDIC
Q4 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 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.02% | -0.62% | -2.72% | -5.27% | -4.41% | -139 bps | |
| Return on Equity | -42.74% | -12.41% | -58.32% | -134.21% | -130.18% | -8,744 bps | |
| Net Interest Margin | 2.11% | 2.25% | 2.24% | 2.04% | 2.12% | 0 bps | |
| Efficiency Ratio | 76.71% | 78.82% | 83.69% | 119.71% | 117.21% | +4,050 bps | |
| Non-Interest Burden | 1.51% | 1.68% | 1.81% | 2.44% | 2.50% | +99 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.03% | 0.04% | -3.45% | -8.35% | -12.28% | -1,331 bps | |
| Loan Growth (YoY) | -4.94% | -8.75% | -13.55% | -18.67% | -23.25% | -1,831 bps | |
| Deposit Growth (YoY) | 4.74% | 3.76% | 1.31% | -4.57% | -8.58% | -1,332 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 4.29% | 1.48% | 5.69% | 4.73% | 6.66% | +237 bps | |
| Allowance / Loans | 2.68% | 2.79% | 2.28% | 4.86% | 3.45% | +76 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 | 6.88% | 6.82% | 6.18% | 3.04% | 2.53% | -435 bps | |
| Equity / Assets | 5.06% | 4.96% | 3.96% | 1.48% | 1.02% | -404 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.52% | 81.68% | 79.47% | 77.92% | 70.11% | -1,340 bps | |
| Liquid Assets / Assets | 0.03% | 2.17% | 4.23% | 6.05% | 6.24% | +621 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |