Newnan, GA · Cert 35285
FDIC
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Newnan, GA · Cert 35285
FDIC
Q1 2009
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 0.87% | 0.59% | -0.54% | -0.94% | -3.01% | -5.99% | -6.17% | -563 bps | |
| Return on Equity | 11.92% | 9.20% | 6.23% | -5.70% | -10.23% | -34.30% | -76.51% | -194.10% | -18,840 bps | |
| Net Interest Margin | 4.22% | 3.90% | 3.73% | 1.98% | 1.80% | 1.45% | 1.20% | 0.50% | -148 bps | |
| Efficiency Ratio | 58.00% | 62.72% | 68.68% | 119.28% | 133.32% | 164.11% | 312% | 432% | +31,249 bps | |
| Non-Interest Burden | 2.30% | 2.32% | 2.45% | 2.46% | 2.55% | 2.66% | 4.65% | 3.04% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.70% | 4.58% | 6.70% | 2.15% | 1.87% | -0.53% | -6.50% | -11.24% | -1,338 bps | |
| Loan Growth (YoY) | 10.78% | 5.34% | -5.69% | -3.58% | -4.23% | -8.31% | -7.68% | -11.01% | -743 bps | |
| Deposit Growth (YoY) | 12.64% | 3.19% | -2.77% | -5.42% | -4.60% | -5.80% | -1.77% | -4.49% | +93 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 | 0.10% | 0.10% | 0.45% | 0.48% | 0.91% | 2.20% | 2.06% | 1.28% | +79 bps | |
| Allowance / Loans | 1.26% | 1.42% | 1.36% | 1.36% | 1.43% | 3.53% | 4.35% | 5.52% | +416 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 | 12.42% | 12.81% | 12.10% | 11.91% | 11.45% | 9.55% | 5.80% | 4.09% | -782 bps | |
| Equity / Assets | 9.53% | 9.80% | 9.45% | 9.37% | 8.84% | 7.35% | 3.85% | 2.47% | -690 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.35% | 89.70% | 91.43% | 92.12% | 90.70% | 87.31% | 85.93% | 85.83% | -629 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.15% | 0.24% | 0.20% | 0.21% | 0.21% | 0.26% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |