Springfield, GA · Cert 34601
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.32% | -0.62% | -4.86% | -10.66% | -1.65% | -33 bps | |
| Return on Equity | -24.80% | -12.41% | -108.84% | -386% | -131.54% | -10,674 bps | |
| Net Interest Margin | 2.15% | 2.25% | 2.24% | 1.29% | 2.18% | +3 bps | |
| Efficiency Ratio | 82.89% | 78.82% | 88.85% | 714% | 111.30% | +2,840 bps | |
| Non-Interest Burden | 1.70% | 1.68% | 1.95% | 3.42% | 2.47% | +77 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 | 15.99% | 1.48% | 9.81% | 2.10% | 10.72% | -527 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 |