Atlanta, GA · Charter 22243
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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 22243
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.20% | -5.23% | -3.00% | -1.82% | -0.99% | 0.64% | -6.72% | -372 bps | |
| Return on Equity | 3.22% | 2.51% | -71.95% | -42.20% | -23.41% | -11.99% | 7.59% | -109.47% | -6,727 bps | |
| Net Interest Margin | 3.76% | 3.73% | 4.17% | 5.49% | 5.61% | 5.70% | 4.98% | 5.47% | -2 bps | |
| Efficiency Ratio | 84.52% | 82.80% | 75.95% | 64.30% | 65.26% | 65.12% | 76.79% | 88.59% | +2,429 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.13% | 12.47% | 5.48% | -7.11% | -9.55% | -14.31% | -6.98% | -19.10% | -1,199 bps | |
| Loan Growth (YoY) | 44.57% | 28.84% | 38.72% | 10.53% | -5.57% | -16.72% | -14.63% | -6.87% | -1,740 bps | |
| Share Growth (YoY) | -0.49% | 13.94% | 7.27% | -6.62% | -9.17% | -14.91% | -8.07% | -18.07% | -1,145 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 13.07% | 9.72% | 9.81% | 1.75% | 1.36% | 0.32% | 5.79% | 7.54% | +580 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 | 0.55% | 0.81% | 2.16% | 3.19% | 1.94% | 1.11% | 0.92% | 4.79% | +160 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.24% | 7.91% | 7.27% | 7.10% | 7.76% | 8.25% | 8.45% | 6.14% | -97 bps | |
| Net Worth / Assets | 8.24% | 7.91% | 7.27% | 7.10% | 7.76% | 8.25% | 8.45% | 6.14% | -97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.62% | 82.85% | 93.52% | 86.41% | 81.74% | 81.08% | 86.84% | 98.22% | +1,181 bps | |
| Liquid Assets / Assets | 27.32% | 23.29% | 14.07% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |