Dallas, GA · Cert 58539
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 | -0.39% | -1.35% | -1.19% | -6.16% | -15.59% | -9.81% | -14.33% | -1.00% | +517 bps | |
| Return on Equity | -2.53% | -8.93% | -8.20% | -64.03% | -214% | -155.87% | -320% | 37.37% | +10,140 bps | |
| Net Interest Margin | 2.15% | 2.20% | 2.24% | 2.67% | 2.53% | 2.71% | 2.61% | 2.02% | -65 bps | |
| Efficiency Ratio | 105.41% | 132.46% | 121.92% | 315% | 403% | 195.75% | 196.64% | 136.14% | -17,905 bps | |
| Non-Interest Burden | 2.33% | 2.86% | 3.03% | 4.42% | 4.89% | 4.24% | 4.13% | 2.89% | -153 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.92% | 12.74% | 20.63% | 218% | 188.45% | 191.22% | 139.82% | -19.47% | -23,754 bps | |
| Loan Growth (YoY) | 36.04% | 10.86% | 18.52% | 218% | 185.88% | 191.53% | 146.42% | -15.25% | -23,366 bps | |
| Deposit Growth (YoY) | 35.95% | 17.98% | 27.83% | 256% | 237% | 235% | 186.96% | -9.47% | -26,514 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 | 0.15% | 0.29% | 0.23% | 0.61% | 8.00% | 6.04% | 8.29% | 0.22% | -39 bps | |
| Allowance / Loans | 1.42% | 2.40% | 2.17% | 2.95% | 2.62% | 2.35% | 6.54% | 6.77% | +382 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 | 15.64% | 15.47% | 13.56% | 9.63% | 5.47% | 5.65% | -2.96% | -7.96% | -1,760 bps | |
| Equity / Assets | 14.69% | 13.96% | 12.54% | 8.58% | 3.90% | 3.92% | -2.46% | -2.88% | -1,146 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.89% | 98.99% | 98.37% | 90.99% | 88.97% | 86.25% | 84.47% | 85.18% | -581 bps | |
| Liquid Assets / Assets | 0.63% | 4.68% | 5.45% | 10.41% | 7.97% | 7.59% | 7.47% | 11.15% | +74 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |