East Ellijay, GA · Cert 58197
FDIC
Q2 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.87% | -1.30% | -0.07% | -3.00% | -2.15% | -4.33% | -6.42% | -8.34% | -534 bps | |
| Return on Equity | -8.41% | -12.92% | -0.82% | -36.04% | -26.82% | -59.34% | -173.48% | -312% | -27,630 bps | |
| Net Interest Margin | 1.64% | 1.49% | 1.47% | 1.59% | 1.52% | 1.33% | 0.05% | 0.24% | -136 bps | |
| Efficiency Ratio | 163.13% | 185.51% | 148.33% | 179.84% | 174.81% | 221% | 1554% | 1093% | +91,344 bps | |
| Non-Interest Burden | 2.73% | 2.74% | 2.22% | 2.59% | 2.48% | 2.68% | 2.29% | 3.15% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.29% | 7.84% | 13.93% | 10.61% | 8.07% | 1.83% | -5.66% | -5.09% | -1,571 bps | |
| Loan Growth (YoY) | 7.09% | 5.16% | 5.48% | 6.53% | 1.16% | -6.87% | -9.57% | -15.07% | -2,160 bps | |
| Deposit Growth (YoY) | 13.65% | 6.98% | 15.21% | 19.39% | 11.89% | 8.01% | 0.20% | 1.81% | -1,758 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 | 0.00% | 0.03% | 0.00% | 4.81% | 3.47% | 3.55% | 0.98% | 2.81% | -199 bps | |
| Allowance / Loans | 1.40% | 2.00% | 2.00% | 2.26% | 2.17% | 1.60% | 2.83% | 4.41% | +215 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 | 11.68% | 10.32% | 10.23% | 8.03% | 8.01% | 7.10% | 5.09% | 1.33% | -671 bps | |
| Equity / Assets | 9.77% | 9.22% | 8.56% | 7.20% | 7.07% | 4.39% | 3.00% | 0.56% | -664 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.55% | 94.23% | 87.35% | 87.70% | 84.58% | 81.25% | 78.84% | 73.16% | -1,454 bps | |
| Liquid Assets / Assets | 0.65% | 0.05% | 0.03% | 0.01% | 4.81% | 5.53% | 4.43% | 5.93% | +593 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |