PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bankers Bank, The

Atlanta, GA · Cert 26535

FDIC

Q1 2009

$4.2BAssets
$2.0BLoans
$3.3BDeposits
$49.2MEquity
Loan mix
86%RE $1.1B7%C&I $0.1B7%Consumer $0.1BQ1 2008Q1 2009
Deposit mix
42%Interest-bearing $1.4B58%Noninterest $1.9BQ1 2008Q1 2009

NIM

7.21%Q1 ’075.87%Q1 ’082.51%Q1 ’090%-74%

Non-interest income vs. expense

3.93%Q1 ’073.74%Q1 ’083.26%Q1 ’09-42%+120%

Executive Summary

  • Earnings: ROA of -16.02%, down 1,653 bps year over year; NIM at 0.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 7.09%.
  • Funding: loans stand at 61.68% of deposits as of Q1 2009.

Financial Results

Return on Assets (quarter, annualized)

-16.02%-1,653 bps YoY

Net Interest Margin (quarter, annualized)

0.76%-223 bps YoY

Efficiency Ratio (quarter, annualized)

142.14%+7,927 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets0.51%-0.64%-0.70%-3.26%-16.02%-1,653 bps
Return on Equity6.07%-7.72%-9.05%-48.44%-480%-48,629 bps
Net Interest Margin3.00%2.71%2.44%1.78%0.76%-223 bps
Efficiency Ratio62.87%59.06%77.24%76.61%142.14%+7,927 bps
Non-Interest Burden0.79%0.56%1.46%0.64%1.73%+94 bps
Growth
Asset Growth (YoY)25.94%30.58%27.41%31.97%53.39%+2,745 bps
Loan Growth (YoY)28.41%28.28%38.13%35.86%14.60%-1,382 bps
Deposit Growth (YoY)24.69%249%794%578%1278%+125,363 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.88%2.38%2.66%7.67%7.09%+621 bps
Allowance / Loans1.09%1.61%1.53%2.02%5.06%+397 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.14%11.19%11.52%10.85%4.70%-644 bps
Equity / Assets8.36%8.18%7.34%6.17%1.18%-717 bps
Liquidity & Funding
Loans / Deposits742%301%167.93%162.10%61.68%-68,020 bps
Liquid Assets / Assets0.17%0.12%0.04%0.11%0.04%-13 bps
CRE / Total Capitaln/an/an/an/an/an/an/a