Statesboro, GA · Cert 5707
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.69% | 0.69% | -0.06% | -0.92% | -2.24% | -1.68% | -6.15% | -2.41% | -149 bps | |
| Return on Equity | -8.09% | 8.19% | -0.71% | -10.61% | -26.67% | -20.75% | -74.79% | -29.10% | -1,850 bps | |
| Net Interest Margin | 3.33% | 3.17% | 2.72% | 2.95% | 3.30% | 3.45% | 3.34% | 3.48% | +53 bps | |
| Efficiency Ratio | 58.34% | 57.47% | 61.91% | 97.45% | 63.07% | 72.04% | 70.40% | 116.07% | +1,862 bps | |
| Non-Interest Burden | 1.72% | 1.63% | 1.51% | 2.88% | 2.31% | 2.56% | 2.34% | 3.83% | +95 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.29% | 17.00% | 11.87% | 5.29% | 2.85% | 3.00% | -0.51% | 2.50% | -279 bps | |
| Loan Growth (YoY) | 18.30% | 17.16% | 9.10% | 5.81% | 4.17% | -1.24% | -4.04% | -8.45% | -1,426 bps | |
| Deposit Growth (YoY) | 5.19% | 25.38% | 15.54% | 15.11% | 13.38% | 4.30% | -0.27% | 2.39% | -1,272 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 | 0.20% | 0.94% | 2.31% | 2.73% | 2.24% | 3.46% | 10.01% | 3.32% | +60 bps | |
| Allowance / Loans | 1.89% | 1.71% | 1.56% | 1.36% | 2.06% | 2.31% | 1.87% | 1.90% | +54 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% | 10.25% | 10.51% | 10.43% | 10.20% | 10.54% | 11.10% | 11.31% | +88 bps | |
| Equity / Assets | 8.31% | 8.46% | 8.61% | 8.69% | 8.14% | 8.06% | 8.39% | 8.17% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 118.85% | 107.15% | 102.92% | 106.48% | 109.19% | 101.45% | 99.03% | 95.21% | -1,127 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.01% | 0.43% | 0.90% | 0.00% | 0.01% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |