Villa Rica, GA · Cert 57436
FDIC
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Villa Rica, GA · Cert 57436
FDIC
Q1 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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.46% | 0.36% | -3.64% | -2.17% | -4.17% | -4.02% | -6.70% | -306 bps | |
| Return on Equity | 7.08% | 6.09% | 4.73% | -47.57% | -27.70% | -56.07% | -57.28% | -148.85% | -10,128 bps | |
| Net Interest Margin | 3.56% | 3.34% | 2.92% | 2.34% | 2.22% | 2.11% | 1.78% | 0.52% | -182 bps | |
| Efficiency Ratio | 71.56% | 73.19% | 74.57% | 107.84% | 112.12% | 120.63% | 141.42% | 744% | +63,651 bps | |
| Non-Interest Burden | 2.51% | 2.42% | 2.14% | 2.53% | 2.50% | 2.57% | 2.57% | 3.40% | +87 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 42.20% | 25.10% | 22.59% | 16.85% | 8.20% | 3.81% | -3.78% | -3.08% | -1,993 bps | |
| Loan Growth (YoY) | 47.48% | 30.24% | 31.51% | 22.10% | 6.95% | 1.05% | -20.99% | -27.05% | -4,915 bps | |
| Deposit Growth (YoY) | 44.05% | 23.74% | 21.81% | 12.77% | 10.77% | 9.74% | 1.62% | 8.45% | -432 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 | 0.00% | 0.00% | 0.04% | 1.85% | 1.13% | 1.05% | 2.57% | 2.58% | +73 bps | |
| Allowance / Loans | 1.03% | 1.06% | 1.13% | 1.55% | 1.70% | 3.89% | 3.41% | 4.69% | +314 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 | 11.00% | 12.68% | 10.99% | 9.05% | 10.57% | 8.61% | 8.00% | 5.89% | -316 bps | |
| Equity / Assets | 7.51% | 8.73% | 8.04% | 7.27% | 8.15% | 6.24% | 5.36% | 3.63% | -364 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.26% | 94.64% | 94.41% | 101.75% | 91.98% | 87.14% | 73.40% | 68.44% | -3,331 bps | |
| Liquid Assets / Assets | 0.28% | 0.16% | 0.14% | 0.01% | 0.03% | 0.07% | 0.06% | 9.41% | +940 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |