Norcross, GA · Cert 26290
FDIC
Q3 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 0.00% | -1.39% | -2.23% | -2.93% | -13.73% | -10.64% | -9.76% | -753 bps | |
| Return on Equity | 11.45% | 0.02% | -12.27% | -20.09% | -27.53% | -191.04% | -173.17% | -189.91% | -16,981 bps | |
| Net Interest Margin | 5.04% | 3.78% | 2.88% | 1.96% | 1.66% | 0.86% | 0.22% | 0.17% | -179 bps | |
| Efficiency Ratio | 63.27% | 83.72% | 106.59% | 159.41% | 212% | n/a | n/a | n/a | n/a | |
| Non-Interest Burden | 3.08% | 3.09% | 3.13% | 3.37% | 4.00% | 9.64% | 8.59% | 8.65% | +528 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.62% | -11.37% | -1.26% | -11.55% | -4.96% | -2.24% | -12.56% | -6.42% | +514 bps | |
| Loan Growth (YoY) | -7.28% | -10.78% | -18.04% | -37.44% | -37.39% | -44.84% | -45.63% | -37.06% | +39 bps | |
| Deposit Growth (YoY) | -16.56% | -12.72% | 0.05% | -10.69% | -1.68% | 5.14% | -6.23% | 2.18% | +1,287 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.80% | 0.47% | 1.04% | 1.26% | 1.42% | 4.35% | 2.76% | 4.49% | +323 bps | |
| Allowance / Loans | 1.30% | 1.47% | 1.75% | 1.99% | 2.20% | 4.17% | 4.35% | 2.87% | +88 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.28% | 13.66% | 12.96% | 12.48% | 11.18% | 8.11% | 6.56% | 4.13% | -834 bps | |
| Equity / Assets | 11.51% | 11.86% | 10.58% | 10.35% | 8.90% | 5.46% | 3.92% | 1.95% | -840 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.49% | 91.42% | 79.80% | 68.29% | 58.90% | 47.96% | 46.27% | 42.07% | -2,622 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 20.48% | 21.58% | 25.84% | +2,584 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |