Watkinsville, GA · Cert 35242
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.54% | -7.96% | -0.96% | -1.07% | -1.00% | -6.36% | -4.00% | -6.99% | -592 bps | |
| Return on Equity | -7.59% | -139.27% | -19.88% | -22.78% | -22.19% | -163.28% | -144.11% | -513% | -49,027 bps | |
| Net Interest Margin | 1.42% | 0.13% | 0.46% | 0.30% | 0.87% | 1.15% | 1.36% | 1.21% | +91 bps | |
| Efficiency Ratio | 129.82% | 696% | 322% | 416% | 180.82% | 241% | 212% | 394% | -2,261 bps | |
| Non-Interest Burden | 1.92% | 2.35% | 1.88% | 2.03% | 2.07% | 3.13% | 3.06% | 4.20% | +217 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.77% | 14.30% | 6.92% | 1.50% | -11.60% | -14.08% | -9.49% | -15.46% | -1,695 bps | |
| Loan Growth (YoY) | 5.81% | 0.70% | -5.59% | -8.98% | -13.94% | -17.01% | -16.05% | -21.93% | -1,295 bps | |
| Deposit Growth (YoY) | 24.26% | 23.71% | 13.99% | 5.87% | -10.56% | -10.32% | -3.64% | -7.05% | -1,292 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 | 0.18% | 4.86% | 1.14% | 4.28% | 1.03% | 9.66% | 2.44% | 9.54% | +526 bps | |
| Allowance / Loans | 1.42% | 3.14% | 2.97% | 2.10% | 1.94% | 1.29% | 1.71% | 1.17% | -93 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 | 10.05% | 7.34% | 7.41% | 7.93% | 7.82% | 5.85% | 4.48% | 1.66% | -627 bps | |
| Equity / Assets | 6.65% | 4.76% | 4.86% | 4.55% | 4.49% | 3.27% | 2.29% | 0.35% | -420 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.83% | 86.57% | 88.25% | 84.47% | 85.47% | 80.11% | 76.88% | 70.94% | -1,352 bps | |
| Liquid Assets / Assets | 1.74% | 3.55% | 3.64% | 3.61% | 5.24% | 1.69% | 1.68% | 1.15% | -246 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |