Brunswick, GA · Cert 57440
FDIC
Q4 2010
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 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.45% | -0.65% | -2.75% | -3.87% | -6.26% | -81 bps | |
| Return on Equity | -80.26% | -18.37% | -85.48% | -143.18% | -357% | -27,642 bps | |
| Net Interest Margin | 2.34% | 2.32% | 2.34% | 2.25% | 2.19% | -15 bps | |
| Efficiency Ratio | 108.57% | 130.32% | 120.02% | 131.33% | 150.33% | +4,176 bps | |
| Non-Interest Burden | 2.53% | 2.98% | 2.83% | 2.97% | 3.33% | +79 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.48% | -6.91% | -7.15% | -13.25% | -19.25% | -2,273 bps | |
| Loan Growth (YoY) | -6.40% | -11.19% | -12.77% | -19.34% | -23.66% | -1,727 bps | |
| Deposit Growth (YoY) | 7.54% | -1.93% | -1.17% | -7.63% | -14.00% | -2,154 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 3.95% | 9.43% | 8.12% | 9.45% | 12.02% | +806 bps | |
| Allowance / Loans | 5.35% | 3.28% | 3.49% | 2.97% | 3.00% | -235 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 | 5.29% | 5.48% | 4.15% | 2.68% | -3.29% | -858 bps | |
| Equity / Assets | 3.52% | 3.55% | 2.56% | 1.02% | -2.68% | -620 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.83% | 87.91% | 85.78% | 81.00% | 78.85% | -998 bps | |
| Liquid Assets / Assets | 7.84% | 10.23% | 9.87% | 9.19% | 7.05% | -79 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |