Alpharetta, GA · Cert 31203
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | -1.80% | -18.74% | -3.25% | -5.30% | -8.49% | -3.93% | -6.74% | -349 bps | |
| Return on Equity | 5.24% | -15.29% | -180.74% | -34.11% | -55.13% | -96.26% | -45.61% | -76.41% | -4,229 bps | |
| Net Interest Margin | 2.91% | 2.78% | 3.42% | 2.09% | 2.45% | 2.19% | 2.46% | 2.80% | +71 bps | |
| Efficiency Ratio | 53.26% | 94.46% | 120.99% | 89.09% | 98.63% | 215% | 115.13% | 185.51% | +9,643 bps | |
| Non-Interest Burden | 1.50% | 2.72% | 15.58% | 1.90% | 2.45% | 3.33% | 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 | 1.21% | 2.38% | 6.31% | 6.41% | 11.18% | 10.29% | 9.98% | 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 |