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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.01% | -2.40% | -0.53% | -10.44% | -8.45% | -846 bps | |
| Return on Equity | 0.16% | -31.34% | -9.05% | -256% | -289% | -28,938 bps | |
| Net Interest Margin | 2.22% | 2.11% | 1.74% | 1.81% | 1.92% | -30 bps | |
| Efficiency Ratio | 79.50% | 88.97% | 132.56% | 136.97% | 135.45% | +5,595 bps | |
| Non-Interest Burden | 1.55% | 1.78% | 2.45% | 2.65% | 2.77% | +122 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.50% | 8.31% | 9.08% | 1.22% | -4.15% | -965 bps | |
| Loan Growth (YoY) | -4.96% | -5.50% | -4.44% | -9.16% | -11.42% | -646 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.10% | 2.15% | 0.47% | 5.60% | 3.96% | +387 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.28% | 8.51% | 8.67% | 0.77% | -1.13% | -1,241 bps | |
| Equity / Assets | 8.03% | 5.41% | 6.29% | 0.32% | -0.76% | -879 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 119.72% | 105.21% | 104.66% | 96.55% | 95.83% | -2,390 bps | |
| Liquid Assets / Assets | 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 |