Clayton, GA · Cert 57593
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 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.
Clayton, GA · Cert 57593
FDIC
Q1 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.60% | -0.87% | -3.41% | -1.19% | -1.34% | -1.17% | -1.70% | -6.46% | -528 bps | |
| Return on Equity | -8.73% | -12.61% | -53.54% | -30.19% | -34.61% | -31.07% | -48.27% | -371% | -34,036 bps | |
| Net Interest Margin | 1.93% | 1.92% | 1.92% | 1.51% | 1.68% | 1.58% | 1.48% | 1.23% | -28 bps | |
| Efficiency Ratio | 115.80% | 114.69% | 140.30% | 170.59% | 162.09% | 132.36% | 174.13% | 236% | +6,557 bps | |
| Non-Interest Burden | 2.27% | 2.24% | 2.79% | 2.76% | 2.88% | 2.44% | 3.06% | 3.21% | +45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.06% | -1.30% | -8.69% | -13.07% | -11.30% | -5.33% | -8.84% | -12.76% | +31 bps | |
| Loan Growth (YoY) | -5.94% | -10.54% | -13.97% | -14.68% | -19.76% | -27.70% | -27.40% | -27.20% | -1,251 bps | |
| Deposit Growth (YoY) | 8.98% | 0.16% | -6.28% | -11.45% | -9.26% | -1.86% | -8.19% | -11.50% | -5 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 | 0.78% | 0.70% | 2.48% | 0.09% | 0.62% | 2.95% | 2.41% | 7.64% | +755 bps | |
| Allowance / Loans | 2.31% | 3.10% | 3.12% | 3.25% | 3.41% | 2.59% | 2.70% | 2.95% | -30 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 | 10.24% | 9.82% | 6.93% | 6.64% | 6.26% | 6.15% | 5.02% | 2.85% | -379 bps | |
| Equity / Assets | 6.81% | 6.97% | 4.05% | 3.80% | 3.74% | 3.45% | 2.44% | 1.01% | -279 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.45% | 88.55% | 82.83% | 78.70% | 75.56% | 65.23% | 65.50% | 64.74% | -1,395 bps | |
| Liquid Assets / Assets | 0.27% | 0.18% | 0.32% | 0.16% | 0.08% | 1.30% | 1.38% | 1.66% | +150 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |