Marietta, GA · Cert 35299
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Marietta, GA · Cert 35299
FDIC
Q1 2012
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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.02% | -1.31% | -1.74% | -0.75% | -2.37% | -1.57% | -2.01% | -0.73% | +2 bps | |
| Return on Equity | -19.45% | -25.95% | -36.42% | -21.78% | -74.65% | -49.25% | -67.88% | -36.75% | -1,497 bps | |
| Net Interest Margin | 1.78% | 1.44% | 1.52% | 1.81% | 1.90% | 2.07% | 2.11% | 1.45% | -35 bps | |
| Efficiency Ratio | 139.48% | 151.83% | 223% | 146.26% | 342% | 201% | 361% | 122.00% | -2,426 bps | |
| Non-Interest Burden | 2.49% | 2.31% | 2.92% | 2.61% | 3.89% | 3.59% | 4.42% | 1.98% | -63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.72% | -6.88% | -2.98% | -5.33% | -1.66% | -9.66% | -7.57% | -13.54% | -821 bps | |
| Loan Growth (YoY) | -25.39% | -27.00% | -22.72% | -18.92% | -17.77% | -10.31% | -13.23% | -17.42% | +150 bps | |
| Deposit Growth (YoY) | -5.85% | -4.44% | -0.97% | -3.34% | 1.20% | -8.44% | -5.92% | -12.29% | -894 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 | 0.88% | 2.45% | 3.15% | 1.39% | 1.50% | 1.40% | 1.42% | 3.81% | +242 bps | |
| Allowance / Loans | 4.42% | 4.52% | 3.41% | 3.09% | 3.16% | 3.09% | 3.12% | 2.46% | -63 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 | 7.75% | 7.25% | 6.26% | 6.06% | 4.81% | 4.96% | 3.97% | 3.79% | -227 bps | |
| Equity / Assets | 5.16% | 4.50% | 3.64% | 3.29% | 2.61% | 3.19% | 2.03% | 1.95% | -134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.67% | 52.95% | 53.42% | 51.29% | 50.92% | 51.87% | 49.27% | 48.29% | -300 bps | |
| Liquid Assets / Assets | 4.89% | 7.59% | 2.75% | 4.76% | 4.27% | 8.79% | 10.03% | 8.29% | +353 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |