Atlanta, GA · Cert 34540
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.94% | 3.54% | 0.04% | -1.36% | -6.80% | 0.97% | 19.09% | +1,905 bps | |
| Return on Equity | 17.78% | 10.38% | 18.75% | 0.21% | -7.98% | -41.22% | 6.91% | 117.35% | +11,714 bps | |
| Net Interest Margin | 9.20% | 9.89% | 10.83% | 12.09% | 10.30% | 10.07% | 9.59% | 9.97% | -212 bps | |
| Efficiency Ratio | 62.77% | 74.63% | 63.74% | 71.11% | 72.29% | 83.90% | 83.41% | 23.25% | -4,786 bps | |
| Non-Interest Burden | 2.08% | 5.47% | 2.79% | 6.85% | 5.28% | 7.86% | 7.78% | -21.83% | -2,868 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% | 3.90% | 3.05% | 3.71% | 5.19% | 7.31% | 6.66% | 32.66% | +2,896 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 |