Statesboro, GA · Cert 57239
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 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.
Statesboro, GA · Cert 57239
FDIC
Q2 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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.02% | -1.63% | -0.62% | -0.54% | -2.71% | -6.71% | -5.53% | -2.14% | -160 bps | |
| Return on Equity | -11.31% | -18.31% | -7.33% | -6.29% | -32.20% | -88.22% | -189.07% | -73.65% | -6,736 bps | |
| Net Interest Margin | 2.60% | 2.66% | 2.39% | 2.54% | 2.51% | 2.82% | 2.63% | 2.98% | +44 bps | |
| Efficiency Ratio | 78.52% | 86.51% | 88.58% | 89.93% | 122.82% | 151.93% | 163.36% | 112.73% | +2,280 bps | |
| Non-Interest Burden | 1.93% | 2.27% | 2.07% | 2.24% | 2.95% | 3.82% | 4.11% | 3.37% | +113 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.36% | 1.22% | -8.22% | -10.56% | -13.62% | -26.49% | -24.22% | -26.14% | -1,558 bps | |
| Loan Growth (YoY) | -12.36% | -12.57% | -15.06% | -13.30% | -17.14% | -21.73% | -24.01% | -28.97% | -1,567 bps | |
| Deposit Growth (YoY) | 7.14% | 3.02% | -0.76% | -3.98% | -6.98% | -17.91% | -18.91% | -21.24% | -1,726 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 | 1.53% | 2.29% | 1.48% | 1.42% | 4.25% | 8.12% | 4.80% | 3.02% | +160 bps | |
| Allowance / Loans | 2.10% | 2.88% | 3.09% | 3.32% | 3.51% | 4.63% | 5.24% | 5.55% | +223 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 | 13.09% | 12.37% | 12.92% | 13.00% | 11.32% | 6.00% | 4.71% | 5.37% | -763 bps | |
| Equity / Assets | 8.98% | 8.35% | 8.64% | 8.79% | 7.78% | 3.53% | 2.33% | 2.85% | -594 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.89% | 81.38% | 75.91% | 76.69% | 74.72% | 77.59% | 71.14% | 69.16% | -753 bps | |
| Liquid Assets / Assets | 0.17% | 0.17% | 0.64% | 0.66% | 0.19% | 0.23% | 0.29% | 0.37% | -29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |