Valdosta, GA · Charter 61485
Q1 2011
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | -0.91% | -0.41% | 0.71% | 0.36% | -0.01% | -0.18% | -0.94% | -165 bps | |
| Return on Equity | 1.35% | -9.82% | -4.45% | 7.45% | 3.85% | -0.05% | -1.91% | -18.79% | -2,624 bps | |
| Net Interest Margin | 3.66% | 3.39% | 3.16% | 3.14% | 3.01% | 2.64% | 2.90% | 2.87% | -28 bps | |
| Efficiency Ratio | 88.09% | 92.05% | 92.60% | 74.40% | 83.86% | 116.15% | 102.47% | 116.31% | +4,191 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.27% | 0.12% | -1.54% | 3.84% | 7.25% | 4.48% | 1.13% | -4.20% | -804 bps | |
| Loan Growth (YoY) | -6.57% | -7.11% | -9.27% | -5.99% | -1.71% | -2.61% | 1.68% | -12.91% | -692 bps | |
| Share Growth (YoY) | 5.13% | 1.03% | -0.92% | 4.72% | 8.30% | 4.67% | 1.33% | -0.72% | -544 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.88% | 0.92% | 0.91% | 1.52% | 1.45% | 0.56% | 0.65% | 0.47% | -105 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 | 1.38% | 1.12% | 1.21% | 1.19% | 1.22% | 0.99% | 0.89% | 0.83% | -36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.32% | 9.31% | 9.14% | 9.55% | 9.44% | 9.50% | 9.47% | 4.99% | -456 bps | |
| Net Worth / Assets | 10.32% | 9.31% | 9.14% | 9.55% | 9.44% | 9.50% | 9.47% | 4.99% | -456 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.45% | 45.75% | 45.35% | 45.04% | 43.97% | 42.57% | 45.51% | 39.51% | -553 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |