Decatur, GA · Cert 34392
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Decatur, GA · Cert 34392
FDIC
Q3 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 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.67% | -2.31% | -4.62% | -3.74% | -3.59% | -0.84% | -4.51% | -3.55% | +19 bps | |
| Return on Equity | -40.91% | -49.53% | -112.83% | -98.66% | -103.04% | -40.16% | -269% | -239% | -14,035 bps | |
| Net Interest Margin | 1.90% | 2.08% | 2.13% | 2.21% | 2.33% | 2.33% | 2.45% | 2.56% | +35 bps | |
| Efficiency Ratio | 130.91% | 175.52% | 427% | 201% | 367% | 128.10% | 357% | 207% | +625 bps | |
| Non-Interest Burden | 2.58% | 3.31% | 4.46% | 4.74% | 4.90% | 3.06% | 4.86% | 4.46% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.96% | 2.70% | -1.89% | -12.78% | -15.63% | -17.59% | -17.39% | -12.27% | +51 bps | |
| Loan Growth (YoY) | -15.17% | -14.75% | -16.03% | -19.10% | -19.23% | -19.35% | -20.62% | -20.21% | -111 bps | |
| Deposit Growth (YoY) | 6.56% | 6.00% | 3.33% | -8.30% | -12.51% | -15.03% | -14.45% | -9.89% | -159 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 | 2.51% | 2.67% | 3.62% | 3.74% | 3.56% | 1.11% | 4.23% | 3.67% | -8 bps | |
| Allowance / Loans | 2.52% | 2.53% | 3.29% | 2.76% | 2.60% | 2.55% | 2.96% | 3.19% | +42 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 | 8.17% | 7.44% | 5.39% | 5.00% | 4.59% | 4.80% | 2.44% | 1.38% | -362 bps | |
| Equity / Assets | 5.02% | 4.34% | 2.91% | 2.77% | 2.04% | 2.12% | 0.85% | 0.87% | -190 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.97% | 63.59% | 62.15% | 62.88% | 64.60% | 60.35% | 57.67% | 55.68% | -721 bps | |
| Liquid Assets / Assets | 8.73% | 17.44% | 18.02% | 16.70% | 12.70% | 14.36% | 11.85% | 12.07% | -463 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |