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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.11% | -1.36% | -4.03% | -2.20% | 3.46% | +134 bps | |
| Return on Equity | 11.76% | -7.98% | -24.26% | -14.23% | 21.00% | +924 bps | |
| Net Interest Margin | 11.56% | 10.30% | 10.65% | 9.62% | 8.55% | -300 bps | |
| Efficiency Ratio | 67.47% | 72.29% | 77.71% | 79.38% | 53.40% | -1,407 bps | |
| Non-Interest Burden | 4.53% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 3.44% | 5.19% | 6.31% | 11.17% | 34.68% | +3,123 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.72% | 17.00% | 15.76% | 11.77% | 19.99% | +327 bps | |
| Equity / Assets | 16.83% | 17.23% | 15.75% | 12.62% | 20.73% | +390 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.39% | 101.88% | 99.38% | 35.04% | 15.34% | -8,205 bps | |
| Liquid Assets / Assets | 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 |