Cornelia, GA · Cert 5702
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 | 0.99% | 0.44% | 0.16% | -3.49% | -0.64% | -0.94% | -18.91% | 1.84% | +533 bps | |
| Return on Equity | 12.42% | 5.73% | 2.15% | -51.72% | -10.37% | -16.17% | -521% | 119.41% | +17,113 bps | |
| Net Interest Margin | 3.52% | 3.24% | 2.84% | 2.53% | 2.35% | 1.78% | 0.82% | 1.28% | -125 bps | |
| Efficiency Ratio | 67.86% | 71.36% | 81.68% | 111.00% | 106.38% | 108.47% | 123.93% | 176.66% | +6,566 bps | |
| Non-Interest Burden | 1.62% | 1.65% | 1.95% | 2.98% | 2.59% | 2.08% | 1.42% | 3.11% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.45% | 17.82% | 16.64% | 15.71% | 10.80% | 9.81% | 0.26% | -7.44% | -2,314 bps | |
| Loan Growth (YoY) | 25.00% | 24.36% | 20.69% | 16.28% | 6.06% | 0.41% | -7.30% | -11.80% | -2,808 bps | |
| Deposit Growth (YoY) | 17.34% | 16.94% | 19.15% | 7.88% | 9.36% | 11.05% | 2.43% | 2.75% | -513 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% | 0.42% | 0.77% | 4.64% | 0.39% | 1.34% | 16.23% | 0.11% | -452 bps | |
| Allowance / Loans | 1.50% | 1.64% | 1.67% | 2.09% | 2.35% | 2.39% | 4.08% | 4.05% | +196 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 | 10.97% | 10.58% | 10.46% | 9.17% | 9.13% | 8.79% | 3.05% | 3.68% | -549 bps | |
| Equity / Assets | 7.88% | 7.48% | 7.31% | 6.22% | 6.05% | 5.63% | 1.48% | 1.60% | -462 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.12% | 93.63% | 90.65% | 95.49% | 88.37% | 84.66% | 82.04% | 81.96% | -1,352 bps | |
| Liquid Assets / Assets | 1.41% | 0.71% | 0.75% | 0.64% | 2.86% | 5.48% | 4.69% | 8.88% | +824 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |