Cartersville, GA · Cert 34678
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.19% | -1.12% | -1.86% | -1.58% | -12.69% | -3.40% | -3.36% | -150 bps | |
| Return on Equity | 3.49% | 2.50% | -14.49% | -24.19% | -20.48% | -203% | -79.13% | -97.23% | -7,304 bps | |
| Net Interest Margin | 3.14% | 3.16% | 2.62% | 2.34% | 2.44% | 2.30% | 2.04% | 1.88% | -47 bps | |
| Efficiency Ratio | 78.20% | 83.02% | 88.12% | 124.60% | 119.46% | 148.95% | 153.75% | 178.27% | +5,367 bps | |
| Non-Interest Burden | 2.32% | 2.54% | 2.26% | 2.93% | 2.91% | 3.43% | 3.16% | 3.85% | +92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.50% | 6.92% | 2.76% | 3.72% | -4.55% | -7.96% | -5.79% | -4.04% | -776 bps | |
| Loan Growth (YoY) | 8.77% | 6.87% | 3.67% | 2.77% | -8.52% | -16.56% | -17.08% | -19.38% | -2,215 bps | |
| Deposit Growth (YoY) | 11.32% | 8.23% | -0.66% | -1.59% | -3.97% | -3.09% | 2.57% | 5.54% | +713 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 | 0.48% | 0.05% | 2.26% | 0.86% | 4.76% | 6.18% | 3.05% | 4.91% | +406 bps | |
| Allowance / Loans | 1.29% | 1.34% | 1.58% | 2.16% | 1.77% | 3.62% | 3.75% | 4.19% | +203 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 | 10.09% | 10.65% | 10.46% | 10.02% | 10.00% | 7.10% | 6.16% | 5.26% | -476 bps | |
| Equity / Assets | 7.45% | 7.77% | 7.75% | 7.59% | 7.82% | 4.68% | 3.91% | 3.01% | -458 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.26% | 100.93% | 101.85% | 99.69% | 95.51% | 86.89% | 82.34% | 76.16% | -2,353 bps | |
| Liquid Assets / Assets | 0.07% | 0.01% | 0.02% | 0.29% | 0.00% | 5.34% | 9.08% | 13.84% | +1,355 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |