Atlanta, GA · Cert 35065
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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 35065
FDIC
Q3 2010
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 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.15% | 0.01% | 0.01% | -2.40% | -0.53% | -10.44% | -8.45% | -846 bps | |
| Return on Equity | 0.94% | 1.82% | 0.15% | 0.16% | -31.34% | -9.05% | -256% | -289% | -28,938 bps | |
| Net Interest Margin | 2.96% | 2.36% | 2.26% | 2.22% | 2.11% | 1.74% | 1.81% | 1.92% | -30 bps | |
| Efficiency Ratio | 87.52% | 76.33% | 78.91% | 79.50% | 88.97% | 132.56% | 136.97% | 135.45% | +5,595 bps | |
| Non-Interest Burden | 2.54% | 1.52% | 1.52% | 1.55% | 1.78% | 2.45% | 2.65% | 2.77% | +122 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.85% | 2.76% | 2.17% | 5.50% | 8.31% | 9.08% | 1.22% | -4.15% | -965 bps | |
| Loan Growth (YoY) | 5.23% | -0.46% | -5.65% | -4.96% | -5.50% | -4.44% | -9.16% | -11.42% | -646 bps | |
| Deposit Growth (YoY) | 3.84% | -0.30% | 6.90% | 12.43% | 26.60% | 26.96% | 19.98% | 10.67% | -176 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 | 0.24% | 0.07% | 0.09% | 0.10% | 2.15% | 0.47% | 5.60% | 3.96% | +387 bps | |
| Allowance / Loans | 1.19% | 1.37% | 1.65% | 1.76% | 3.43% | 3.49% | 6.63% | 7.85% | +609 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 | 11.20% | 11.19% | 11.09% | 11.28% | 8.51% | 8.67% | 0.77% | -1.13% | -1,241 bps | |
| Equity / Assets | 8.36% | 8.46% | 8.24% | 8.03% | 5.41% | 6.29% | 0.32% | -0.76% | -879 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 140.96% | 139.05% | 127.51% | 119.72% | 105.21% | 104.66% | 96.55% | 95.83% | -2,390 bps | |
| Liquid Assets / Assets | 0.13% | 0.28% | 0.35% | 0.29% | 10.41% | 7.65% | 11.97% | 13.42% | +1,313 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |