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Infibank

Atlanta, GA · Cert 34540

FDIC

Q4 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2009, the quarter ended December 31, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Infibank

Atlanta, GA · Cert 34540

FDIC

Q4 2009

$384.8MAssets
$43.8MLoans
$285.4MDeposits
$79.8MEquity
Deposit mix
99%Interest-bearing $283.8M1%Noninterest $1.6MQ4 2008Q4 2009

NIM

10.62%Q4 ’0715.37%Q4 ’0810.18%Q4 ’09+65%-26%

Non-interest income vs. expense

12.98%Q4 ’0718.91%Q4 ’0813.18%Q4 ’09+379%-127%

Executive Summary

  • Earnings: ROA of 3.46%, up 134 bps year over year; NIM at 8.55%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 34.68%.
  • Funding: loans stand at 15.34% of deposits as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

3.46%+134 bps YoY

Net Interest Margin (YTD, annualized)

8.55%-300 bps YoY

Efficiency Ratio (YTD, annualized)

53.40%-1,407 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets2.11%-1.36%-4.03%-2.20%3.46%+134 bps
Return on Equity11.76%-7.98%-24.26%-14.23%21.00%+924 bps
Net Interest Margin11.56%10.30%10.65%9.62%8.55%-300 bps
Efficiency Ratio67.47%72.29%77.71%79.38%53.40%-1,407 bps
Non-Interest Burden4.53%5.28%6.81%6.70%-1.24%-577 bps
Growth
Asset Growth (YoY)-29.41%7.33%1.44%27.10%-1.84%+2,757 bps
Loan Growth (YoY)-8.52%26.21%15.42%-49.22%-85.60%-7,708 bps
Deposit Growth (YoY)-28.19%13.82%7.62%41.49%-8.60%+1,959 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.44%5.19%6.31%11.17%34.68%+3,123 bps
Allowance / Loans4.62%5.69%8.12%15.75%26.81%+2,219 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital16.72%17.00%15.76%11.77%19.99%+327 bps
Equity / Assets16.83%17.23%15.75%12.62%20.73%+390 bps
Liquidity & Funding
Loans / Deposits97.39%101.88%99.38%35.04%15.34%-8,205 bps
Liquid Assets / Assets0.92%0.99%1.13%0.79%0.92%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a