Doraville, GA · Cert 34046
FDIC
Q4 2011
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 | 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% | -2.41% | -6.77% | -4.69% | -8.94% | -4.56% | -3.95% | -5.19% | -51 bps | |
| Return on Equity | -12.81% | -27.16% | -85.17% | -63.16% | -219% | -118.71% | -108.94% | -168.53% | -10,537 bps | |
| Net Interest Margin | 2.21% | 2.04% | 2.22% | 2.10% | 1.70% | 1.76% | 1.82% | 1.85% | -25 bps | |
| Efficiency Ratio | 119.66% | 117.23% | 149.26% | 135.71% | 141.37% | 128.99% | 168.44% | 234% | +9,797 bps | |
| Non-Interest Burden | 2.70% | 2.42% | 3.45% | 2.99% | 2.59% | 2.44% | 3.36% | 4.96% | +197 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% | 1.36% | 6.10% | 4.86% | 9.38% | 7.85% | 6.21% | 5.15% | +30 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 |