Albany, GA · Charter 9101
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.61% | -2.49% | -2.32% | -4.00% | -0.72% | -0.59% | -1.07% | -2.01% | +198 bps | |
| Return on Equity | -14.56% | -10.11% | -9.39% | -16.15% | -2.89% | -2.41% | -4.66% | -9.04% | +711 bps | |
| Net Interest Margin | 3.59% | 3.62% | 3.61% | 3.85% | 4.20% | 4.18% | 3.93% | 3.50% | -35 bps | |
| Efficiency Ratio | 119.51% | 115.01% | 121.74% | 120.76% | 110.31% | 95.27% | 130.17% | 159.33% | +3,857 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.62% | -3.42% | -3.97% | -8.77% | -3.33% | -2.43% | 2.66% | 7.99% | +1,676 bps | |
| Loan Growth (YoY) | -8.65% | -16.56% | -22.39% | -17.18% | -16.84% | -12.42% | -4.48% | -7.44% | +974 bps | |
| Share Growth (YoY) | -1.58% | -1.83% | -3.14% | -7.93% | -4.39% | -2.14% | 5.90% | 11.94% | +1,987 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.78% | 9.72% | 10.18% | 8.62% | 9.29% | 7.95% | 6.71% | 6.90% | -172 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 | 2.63% | 2.25% | 2.27% | 1.47% | 1.55% | 1.38% | 0.77% | 0.77% | -70 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.77% | 24.61% | 24.75% | 24.74% | 24.76% | 24.35% | 23.02% | 22.27% | -247 bps | |
| Net Worth / Assets | 24.77% | 24.61% | 24.75% | 24.74% | 24.76% | 24.35% | 23.02% | 22.27% | -247 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.94% | 84.79% | 80.03% | 84.04% | 78.23% | 75.88% | 72.19% | 69.49% | -1,455 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |