Saint Marys, GA · Cert 35114
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Saint Marys, GA · Cert 35114
FDIC
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 0.70% | -1.53% | -0.07% | -0.65% | -2.35% | -4.33% | -11.37% | -1,129 bps | |
| Return on Equity | 13.61% | 7.32% | -16.43% | -0.92% | -8.86% | -33.57% | -67.88% | -502% | -50,068 bps | |
| Net Interest Margin | 2.86% | 2.87% | 2.76% | 2.46% | 1.75% | 1.75% | 1.59% | 1.08% | -138 bps | |
| Efficiency Ratio | 37.75% | 48.03% | 65.63% | 89.36% | 99.55% | 131.14% | 129.81% | n/a | n/a | |
| Non-Interest Burden | -0.20% | 0.63% | 1.59% | 2.22% | 1.74% | 2.18% | 2.08% | 4.70% | +249 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.73% | 2.99% | -6.53% | -5.06% | 21.85% | -1.43% | -0.30% | -13.21% | -815 bps | |
| Loan Growth (YoY) | -2.39% | -5.02% | -6.83% | -12.19% | -7.89% | -11.38% | -14.78% | -15.78% | -359 bps | |
| Deposit Growth (YoY) | -1.95% | 2.70% | -5.34% | -9.78% | 27.68% | 2.77% | 5.14% | 0.10% | +988 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 | 0.92% | 1.38% | 1.47% | 2.55% | 2.56% | 3.58% | 5.43% | 7.67% | +512 bps | |
| Allowance / Loans | 1.26% | 0.84% | 3.13% | 2.64% | 2.03% | 2.96% | 4.51% | 5.71% | +307 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 | 13.13% | 12.37% | 10.80% | 10.77% | 10.64% | 9.60% | 6.48% | 2.48% | -829 bps | |
| Equity / Assets | 10.18% | 9.58% | 8.39% | 7.77% | 6.24% | 5.87% | 3.57% | 0.87% | -691 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.33% | 82.23% | 87.89% | 85.67% | 64.45% | 70.91% | 71.23% | 72.08% | -1,359 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |