Alpharetta, GA · Cert 31203
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 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.
Alpharetta, GA · Cert 31203
FDIC
Q1 2010
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | -0.26% | -5.11% | -3.25% | -4.23% | -5.58% | -5.22% | -6.74% | -349 bps | |
| Return on Equity | 4.42% | -2.14% | -44.99% | -34.11% | -44.55% | -60.77% | -56.96% | -76.41% | -4,229 bps | |
| Net Interest Margin | 2.99% | 2.90% | 2.75% | 2.09% | 2.33% | 2.34% | 2.46% | 2.80% | +71 bps | |
| Efficiency Ratio | 52.73% | 61.94% | 77.44% | 89.09% | 93.87% | 115.49% | 115.40% | 185.51% | +9,643 bps | |
| Non-Interest Burden | 1.51% | 1.90% | 5.14% | 1.90% | 2.23% | 2.65% | 2.79% | 4.02% | +212 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 33.24% | 9.45% | 18.57% | 5.83% | 1.37% | 0.09% | -18.94% | -18.71% | -2,454 bps | |
| Loan Growth (YoY) | 32.10% | 10.15% | 11.50% | 6.09% | -7.02% | -11.92% | -21.53% | -23.42% | -2,951 bps | |
| Deposit Growth (YoY) | 20.10% | 16.92% | 36.03% | 18.90% | 14.30% | 6.47% | -16.69% | -17.76% | -3,666 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 | 1.13% | 1.55% | 2.66% | 6.41% | 9.20% | 9.93% | 10.31% | 6.23% | -18 bps | |
| Allowance / Loans | 1.19% | 1.53% | 2.85% | 3.05% | 3.58% | 3.62% | 3.68% | 3.99% | +95 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 | 10.17% | 10.11% | 11.59% | 11.04% | 11.05% | 11.14% | 11.48% | 11.05% | +1 bps | |
| Equity / Assets | 11.93% | 11.65% | 9.24% | 9.85% | 9.38% | 8.25% | 9.02% | 8.61% | -124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 111.17% | 100.57% | 91.24% | 96.84% | 90.43% | 83.20% | 85.93% | 90.18% | -666 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.01% | 0.00% | 0.62% | 10.44% | 0.04% | 0.01% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |