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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.25% | -3.60% | -3.02% | -0.62% | -2.72% | -5.27% | -4.41% | -139 bps | |
| Return on Equity | 1.79% | 3.05% | -47.52% | -42.74% | -12.41% | -58.32% | -134.21% | -130.18% | -8,744 bps | |
| Net Interest Margin | 1.99% | 2.19% | 2.17% | 2.11% | 2.25% | 2.24% | 2.04% | 2.12% | 0 bps | |
| Efficiency Ratio | 81.15% | 77.54% | 74.64% | 76.71% | 78.82% | 83.69% | 119.71% | 117.21% | +4,050 bps | |
| Non-Interest Burden | 1.51% | 1.59% | 1.49% | 1.51% | 1.68% | 1.81% | 2.44% | 2.50% | +99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.60% | 6.88% | -1.96% | 1.03% | 0.04% | -3.45% | -8.35% | -12.28% | -1,331 bps | |
| Loan Growth (YoY) | 10.65% | 5.29% | 0.65% | -4.94% | -8.75% | -13.55% | -18.67% | -23.25% | -1,831 bps | |
| Deposit Growth (YoY) | 8.96% | 8.03% | 1.48% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.13% | 0.10% | 0.37% | 4.29% | 1.48% | 5.69% | 4.73% | 6.66% | +237 bps | |
| Allowance / Loans | 1.30% | 1.31% | 4.67% | 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 | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.93% | 11.16% | 7.20% | 6.88% | 6.82% | 6.18% | 3.04% | 2.53% | -435 bps | |
| Equity / Assets | 8.20% | 8.33% | 5.57% | 5.06% | 4.96% | 3.96% | 1.48% | 1.02% | -404 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.88% | 93.13% | 91.43% | 83.52% | 81.68% | 79.47% | 77.92% | 70.11% | -1,340 bps | |
| Liquid Assets / Assets | 0.05% | 0.04% | 0.02% | 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 | n/a | n/a | n/a |