Atlanta, GA · Cert 34663
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 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 34663
FDIC
Q3 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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | -0.33% | -0.40% | -0.47% | -3.91% | -2.74% | -9.56% | -8.71% | -824 bps | |
| Return on Equity | 7.73% | -2.91% | -3.54% | -4.27% | -37.74% | -40.39% | -179.18% | -201% | -19,719 bps | |
| Net Interest Margin | 3.27% | 2.57% | 2.37% | 2.31% | 2.15% | 0.90% | 0.82% | 0.82% | -149 bps | |
| Efficiency Ratio | 61.98% | 85.38% | 97.03% | 99.66% | 111.71% | 194.63% | 272% | 382% | +28,260 bps | |
| Non-Interest Burden | 1.95% | 2.21% | 2.33% | 2.34% | 4.31% | 1.83% | 5.89% | 5.73% | +339 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 66.48% | 66.39% | 55.35% | 52.41% | 3.02% | 3.13% | 0.15% | -7.45% | -5,987 bps | |
| Loan Growth (YoY) | 77.36% | 69.97% | 64.83% | 58.24% | 6.05% | 0.98% | -7.49% | -10.92% | -6,915 bps | |
| Deposit Growth (YoY) | 60.11% | 55.98% | 44.66% | 36.63% | 1.45% | 8.59% | 11.25% | 9.79% | -2,684 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 | 0.17% | 0.43% | 0.81% | 0.84% | 1.83% | 1.38% | 5.51% | 4.08% | +324 bps | |
| Allowance / Loans | 1.44% | 1.61% | 1.45% | 1.49% | 1.69% | 2.11% | 2.14% | 2.95% | +146 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 | 10.50% | 11.20% | 10.87% | 10.38% | 8.97% | 8.27% | 5.78% | 2.23% | -815 bps | |
| Equity / Assets | 11.77% | 10.97% | 10.93% | 10.76% | 7.40% | 6.19% | 2.40% | 1.01% | -975 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.60% | 87.71% | 93.72% | 98.19% | 93.66% | 81.56% | 77.94% | 79.67% | -1,852 bps | |
| Liquid Assets / Assets | 0.26% | 0.03% | 0.03% | 0.04% | 0.13% | 0.03% | 0.03% | 0.14% | +10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |