Brunswick, GA · Cert 57440
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.95% | -1.16% | -2.75% | -15.80% | -0.65% | -4.95% | -6.26% | -14.13% | +168 bps | |
| Return on Equity | -26.04% | -14.71% | -35.65% | -288% | -18.37% | -161.53% | -347% | 1885% | +217,284 bps | |
| Net Interest Margin | 2.25% | 2.06% | 2.56% | 2.58% | 2.32% | 2.23% | 1.90% | 1.69% | -89 bps | |
| Efficiency Ratio | 98.67% | 128.42% | 116.10% | 99.00% | 130.32% | 110.79% | 161.26% | 224% | +12,502 bps | |
| Non-Interest Burden | 2.22% | 2.58% | 2.89% | 2.55% | 2.98% | 2.50% | 3.06% | 4.00% | +145 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.82% | 12.61% | 9.10% | 3.48% | -6.91% | -7.15% | -13.25% | -19.25% | -2,273 bps | |
| Loan Growth (YoY) | 15.45% | 4.65% | 0.16% | -6.40% | -11.19% | -12.77% | -19.34% | -23.66% | -1,727 bps | |
| Deposit Growth (YoY) | 19.47% | 13.39% | 11.71% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 3.20% | 1.95% | 4.74% | 5.50% | 9.43% | 6.32% | 10.65% | 17.30% | +1,180 bps | |
| Allowance / Loans | 1.57% | 1.52% | 1.67% | 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 | 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 | 11.19% | 11.31% | 10.27% | 5.29% | 5.48% | 4.15% | 2.68% | -3.29% | -858 bps | |
| Equity / Assets | 7.73% | 8.00% | 7.43% | 3.52% | 3.55% | 2.56% | 1.02% | -2.68% | -620 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.07% | 97.18% | 92.76% | 88.83% | 87.91% | 85.78% | 81.00% | 78.85% | -998 bps | |
| Liquid Assets / Assets | 9.49% | 6.79% | 5.94% | 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 | n/a | n/a | n/a |