Carrollton, GA · Cert 57399
FDIC
Q4 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.97% | -1.71% | -2.23% | -2.03% | -2.26% | +271 bps | |
| Return on Equity | -64.55% | -37.53% | -53.33% | -52.93% | -63.29% | +126 bps | |
| Net Interest Margin | 1.44% | 1.26% | 1.19% | 1.00% | 0.88% | -56 bps | |
| Efficiency Ratio | 261% | 283% | 428% | 351% | 509% | +24,804 bps | |
| Non-Interest Burden | 3.33% | 3.11% | 3.61% | 3.03% | 3.37% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.05% | -13.40% | 1.28% | 8.76% | -1.65% | +739 bps | |
| Loan Growth (YoY) | -17.82% | -23.49% | -25.05% | -24.11% | -20.58% | -276 bps | |
| Deposit Growth (YoY) | -6.12% | -10.55% | 8.03% | 18.07% | 1.63% | +775 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.93% | 2.54% | 1.98% | 1.61% | 2.19% | -73 bps | |
| Allowance / Loans | 3.52% | 3.15% | 3.16% | 3.17% | 2.34% | -118 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 6.82% | 6.72% | 5.86% | 5.57% | 4.64% | -218 bps | |
| Equity / Assets | 4.65% | 4.48% | 3.44% | 2.89% | 2.45% | -220 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.60% | 73.12% | 63.66% | 58.18% | 62.21% | -1,739 bps | |
| Liquid Assets / Assets | 0.66% | 0.48% | 8.81% | 20.49% | 14.41% | +1,374 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |