Atlanta, GA · Charter 20991
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Atlanta, GA · Charter 20991
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.13% | 0.05% | -0.28% | 0.09% | -0.58% | 0.06% | -0.10% | +18 bps | |
| Return on Equity | 1.51% | 1.36% | 0.62% | -3.50% | 1.09% | -7.86% | 0.82% | -1.40% | +210 bps | |
| Net Interest Margin | 4.21% | 4.51% | 4.01% | 4.20% | 4.09% | 4.16% | 3.99% | 4.07% | -13 bps | |
| Efficiency Ratio | 90.92% | 90.87% | 93.82% | 90.55% | 79.60% | 91.64% | 94.35% | 94.45% | +390 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.53% | 2.16% | 2.32% | -0.34% | 2.45% | 7.75% | 1.46% | 5.31% | +565 bps | |
| Loan Growth (YoY) | 1.37% | 1.72% | 5.04% | 3.37% | 0.33% | -4.69% | -4.15% | -1.10% | -447 bps | |
| Share Growth (YoY) | 9.63% | 2.28% | 3.47% | 0.32% | 2.88% | 9.61% | 2.14% | 6.04% | +572 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.76% | 1.34% | 1.45% | 1.68% | 2.03% | 2.27% | 2.53% | 6.04% | +436 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 | 0.36% | 0.32% | 0.33% | 0.39% | 0.96% | 0.90% | 0.85% | 0.67% | +28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.84% | 9.45% | 7.84% | 7.98% | 7.90% | 7.37% | 7.17% | 7.08% | -91 bps | |
| Net Worth / Assets | 8.84% | 9.45% | 7.84% | 7.98% | 7.90% | 7.37% | 7.17% | 7.08% | -91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.43% | 91.57% | 82.57% | 85.55% | 82.34% | 79.63% | 77.49% | 79.79% | -576 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |