Milledgeville, GA · Charter 61347
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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.
Milledgeville, GA · Charter 61347
Q4 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.36% | 0.45% | 0.59% | -2.94% | -0.31% | -0.28% | -12.74% | -1,333 bps | |
| Return on Equity | 1.11% | 1.33% | 1.56% | 2.02% | -10.64% | -1.13% | -1.04% | -77.63% | -7,965 bps | |
| Net Interest Margin | 5.19% | 4.78% | 5.05% | 5.21% | 4.53% | 4.48% | 4.56% | -6.85% | -1,206 bps | |
| Efficiency Ratio | 89.64% | 88.98% | 88.37% | 86.98% | 97.61% | 98.35% | 85.27% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.84% | -2.31% | -0.31% | -0.22% | 0.27% | 1.27% | 5.16% | -0.16% | +6 bps | |
| Loan Growth (YoY) | 4.71% | 6.39% | -10.39% | -7.53% | -2.19% | 2.69% | 5.28% | 4.37% | +1,190 bps | |
| Share Growth (YoY) | -16.24% | -3.83% | -1.10% | -1.14% | 0.38% | 1.43% | 7.05% | 17.96% | +1,910 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.77% | 2.70% | 2.13% | 1.17% | 1.19% | 0.18% | 1.76% | 1.81% | +64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.23% | 2.33% | 2.45% | 1.72% | 2.03% | 1.55% | 1.67% | 1.58% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.95% | 27.03% | 28.45% | 29.11% | 27.63% | 26.91% | 27.08% | 16.42% | -1,270 bps | |
| Net Worth / Assets | 27.95% | 27.03% | 28.45% | 29.11% | 27.63% | 26.91% | 27.08% | 16.42% | -1,270 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.63% | 88.95% | 94.37% | 99.95% | 90.26% | 90.06% | 92.80% | 88.43% | -1,151 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |