Macon, GA · Cert 57213
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Macon, GA · Cert 57213
FDIC
Q1 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.36% | -3.92% | -5.66% | -0.65% | -1.16% | -1.31% | -2.96% | -1.33% | -68 bps | |
| Return on Equity | -50.62% | -49.15% | -77.89% | -16.13% | -29.59% | -34.26% | -86.34% | -93.75% | -7,762 bps | |
| Net Interest Margin | 1.85% | 1.70% | 1.61% | 1.90% | 1.78% | 1.90% | 1.95% | 1.81% | -8 bps | |
| Efficiency Ratio | 105.19% | 111.22% | 127.64% | 102.83% | 120.48% | 129.16% | 207% | 170.32% | +6,749 bps | |
| Non-Interest Burden | 5.57% | 4.27% | 3.95% | 2.00% | 2.23% | 2.53% | 3.47% | 2.99% | +99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.62% | 9.95% | -4.17% | -10.28% | -17.27% | -21.29% | -18.54% | -21.23% | -1,095 bps | |
| Loan Growth (YoY) | -0.07% | -4.15% | -9.42% | -12.17% | -16.24% | -20.22% | -19.84% | -22.06% | -990 bps | |
| Deposit Growth (YoY) | 15.45% | 13.09% | 2.97% | -3.67% | -13.46% | -17.86% | -15.73% | -17.92% | -1,425 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 | 0.71% | 2.54% | 4.63% | 0.94% | 1.65% | 1.83% | 2.38% | 3.88% | +295 bps | |
| Allowance / Loans | 1.88% | 1.92% | 2.99% | 3.03% | 2.90% | 3.07% | 3.86% | 3.17% | +14 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 | 10.12% | 9.34% | 6.19% | 6.16% | 5.83% | 5.49% | 3.03% | 2.42% | -375 bps | |
| Equity / Assets | 6.70% | 6.13% | 4.10% | 3.98% | 3.70% | 3.49% | 1.55% | 1.29% | -269 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.23% | 79.54% | 83.45% | 80.97% | 79.59% | 77.25% | 79.38% | 76.88% | -409 bps | |
| Liquid Assets / Assets | 8.50% | 5.76% | 2.99% | 5.59% | 8.24% | 11.44% | 7.81% | 8.03% | +244 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |