Atlanta, GA · Cert 34540
FDIC
Q4 2009
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Atlanta, GA · Cert 34540
FDIC
Q4 2009
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 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.16% | 2.51% | 2.78% | 2.11% | -1.36% | -4.03% | -2.20% | 3.46% | +134 bps | |
| Return on Equity | 17.78% | 13.94% | 15.24% | 11.76% | -7.98% | -24.26% | -14.23% | 21.00% | +924 bps | |
| Net Interest Margin | 9.20% | 11.59% | 11.13% | 11.56% | 10.30% | 10.65% | 9.62% | 8.55% | -300 bps | |
| Efficiency Ratio | 62.77% | 67.77% | 66.46% | 67.47% | 72.29% | 77.71% | 79.38% | 53.40% | -1,407 bps | |
| Non-Interest Burden | 2.08% | 4.24% | 3.68% | 4.53% | 5.28% | 6.81% | 6.70% | -1.24% | -577 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.30% | -37.34% | -43.39% | -29.41% | 7.33% | 1.44% | 27.10% | -1.84% | +2,757 bps | |
| Loan Growth (YoY) | -8.64% | -20.42% | -12.60% | -8.52% | 26.21% | 15.42% | -49.22% | -85.60% | -7,708 bps | |
| Deposit Growth (YoY) | -18.68% | -41.99% | -48.03% | -28.19% | 13.82% | 7.62% | 41.49% | -8.60% | +1,959 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 | 5.16% | 4.37% | 3.74% | 3.44% | 5.19% | 6.31% | 11.17% | 34.68% | +3,123 bps | |
| Allowance / Loans | 4.22% | 3.58% | 3.47% | 4.62% | 5.69% | 8.12% | 15.75% | 26.81% | +2,219 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 | 17.29% | 18.71% | 19.95% | 16.72% | 17.00% | 15.76% | 11.77% | 19.99% | +327 bps | |
| Equity / Assets | 18.86% | 18.54% | 19.17% | 16.83% | 17.23% | 15.75% | 12.62% | 20.73% | +390 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.88% | 92.67% | 97.62% | 97.39% | 101.88% | 99.38% | 35.04% | 15.34% | -8,205 bps | |
| Liquid Assets / Assets | 1.04% | 0.93% | 0.96% | 0.92% | 0.99% | 1.13% | 0.79% | 0.92% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |