Franklin, GA · Cert 57647
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 | -1.03% | -2.37% | -4.57% | -0.76% | -1.44% | -1.51% | -3.17% | -1.27% | -51 bps | |
| Return on Equity | -13.09% | -30.74% | -65.02% | -18.51% | -36.67% | -40.31% | -98.58% | -141.52% | -12,302 bps | |
| Net Interest Margin | 2.46% | 2.65% | 2.66% | 2.77% | 2.72% | 2.77% | 2.66% | 2.67% | -10 bps | |
| Efficiency Ratio | 111.31% | 110.42% | 107.34% | 91.86% | 96.38% | 109.28% | 119.24% | 116.60% | +2,474 bps | |
| Non-Interest Burden | 2.76% | 2.93% | 2.86% | 2.52% | 2.61% | 3.01% | 3.13% | 3.11% | +59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.86% | -6.08% | -3.53% | 2.05% | 0.86% | 2.68% | -2.78% | -11.99% | -1,404 bps | |
| Loan Growth (YoY) | -0.05% | -8.12% | -10.39% | -10.84% | -13.34% | -15.03% | -16.60% | -17.23% | -639 bps | |
| Deposit Growth (YoY) | 0.73% | -3.73% | -0.33% | 3.44% | 6.64% | 4.84% | 0.56% | -9.31% | -1,275 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 | 1.99% | 2.90% | 4.95% | 1.23% | 1.90% | 1.77% | 4.13% | 0.84% | -39 bps | |
| Allowance / Loans | 1.67% | 2.40% | 2.10% | 2.25% | 2.53% | 2.56% | 2.81% | 3.04% | +79 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 | 10.71% | 9.48% | 6.91% | 6.84% | 6.36% | 5.94% | 3.05% | 2.64% | -420 bps | |
| Equity / Assets | 7.87% | 7.26% | 4.26% | 3.93% | 3.60% | 3.20% | 1.00% | 0.79% | -314 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.01% | 88.36% | 83.25% | 76.50% | 74.77% | 71.61% | 69.05% | 69.83% | -668 bps | |
| Liquid Assets / Assets | 0.54% | 4.06% | 8.65% | 14.58% | 14.08% | 16.84% | 17.44% | 14.90% | +32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |