Tifton, GA · Cert 57831
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.11% | -4.49% | 1.05% | -4.29% | -5.74% | -14.98% | -4.02% | -507 bps | |
| Return on Equity | 2.56% | 1.40% | -54.36% | 12.41% | -57.38% | -95.06% | -395% | -241% | -25,324 bps | |
| Net Interest Margin | 2.50% | 2.51% | 2.64% | 2.97% | 2.21% | 2.40% | 0.64% | 1.53% | -144 bps | |
| Efficiency Ratio | 61.30% | 63.72% | 64.73% | 55.79% | 61.73% | 60.70% | 247% | 147.35% | +9,156 bps | |
| Non-Interest Burden | 1.39% | 1.47% | 1.61% | 1.50% | 1.24% | 1.38% | 1.76% | 2.42% | +92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.62% | 27.43% | 17.03% | 21.09% | 25.58% | 18.45% | 0.10% | -21.07% | -4,217 bps | |
| Loan Growth (YoY) | 34.22% | 29.57% | 13.96% | 12.06% | 6.11% | 5.22% | -7.91% | -18.69% | -3,075 bps | |
| Deposit Growth (YoY) | 15.50% | 17.05% | 8.98% | 16.81% | 33.09% | 24.18% | 8.45% | -6.91% | -2,372 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 | 0.99% | 0.35% | -0.06% | 0.69% | 8.69% | -0.02% | 20.97% | 1.85% | +117 bps | |
| Allowance / Loans | 1.43% | 1.51% | 3.74% | 3.52% | 4.04% | 6.05% | 4.94% | 6.28% | +276 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 | 10.67% | 10.45% | 11.68% | 11.71% | 10.22% | 7.28% | 4.05% | 2.94% | -877 bps | |
| Equity / Assets | 8.24% | 7.89% | 8.59% | 8.28% | 6.71% | 5.36% | 2.05% | 1.22% | -706 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.99% | 105.67% | 102.39% | 95.52% | 86.89% | 89.54% | 86.94% | 83.43% | -1,209 bps | |
| Liquid Assets / Assets | 0.12% | 0.00% | 0.07% | 0.00% | 0.00% | 4.49% | 5.01% | 0.01% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |