Doraville, GA · Cert 34046
FDIC
Q4 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.17% | -3.65% | -15.79% | 2.14% | -8.94% | -0.17% | -2.76% | -8.87% | -1,101 bps | |
| Return on Equity | -12.81% | -41.95% | -235% | 42.80% | -219% | -5.26% | -87.10% | -459% | -50,212 bps | |
| Net Interest Margin | 2.21% | 1.84% | 2.40% | 1.57% | 1.70% | 1.80% | 2.05% | 1.87% | +30 bps | |
| Efficiency Ratio | 119.66% | 114.24% | 204% | 91.72% | 141.37% | 117.97% | 245% | 415% | +32,331 bps | |
| Non-Interest Burden | 2.70% | 2.13% | 5.27% | 1.38% | 2.59% | 2.24% | 5.39% | 9.64% | +826 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.11% | 3.54% | -12.98% | -12.33% | -17.60% | -13.73% | -5.27% | -7.44% | +489 bps | |
| Loan Growth (YoY) | -10.77% | -12.95% | -15.40% | -17.04% | -20.57% | -26.83% | -29.95% | -28.81% | -1,177 bps | |
| Deposit Growth (YoY) | 16.76% | 6.94% | -10.30% | -9.94% | -14.53% | -10.85% | -4.03% | -3.96% | +597 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 | 0.26% | 2.45% | 15.49% | -0.02% | 9.38% | 5.49% | 1.57% | 1.15% | +117 bps | |
| Allowance / Loans | 3.45% | 5.15% | 6.50% | 4.96% | 6.72% | 5.94% | 6.07% | 6.73% | +177 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 | 13.37% | 13.57% | 7.87% | 9.06% | 6.30% | 6.36% | 6.03% | 2.15% | -691 bps | |
| Equity / Assets | 9.00% | 8.39% | 4.93% | 5.05% | 3.05% | 3.37% | 2.98% | 0.80% | -426 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.55% | 82.92% | 82.44% | 83.01% | 75.79% | 68.06% | 60.18% | 61.53% | -2,148 bps | |
| Liquid Assets / Assets | 8.03% | 10.94% | 9.19% | 5.72% | 7.24% | 8.81% | 13.02% | 10.31% | +459 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |