Norcross, GA · Cert 35466
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 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.
Norcross, GA · Cert 35466
FDIC
Q2 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.21% | 3.10% | 3.82% | 0.40% | 1.84% | 1.53% | -1.95% | -1.36% | -176 bps | |
| Return on Equity | 3.65% | 3.60% | 4.88% | 0.50% | 2.23% | 1.83% | -2.23% | -1.56% | -205 bps | |
| Net Interest Margin | 6.20% | 8.02% | 9.19% | 8.79% | 8.04% | 7.72% | 7.38% | 7.57% | -123 bps | |
| Efficiency Ratio | 46.82% | 46.02% | 66.44% | 72.87% | 72.79% | 63.93% | 79.91% | 75.41% | +254 bps | |
| Non-Interest Burden | -0.05% | -0.07% | 3.70% | 4.56% | 4.41% | 3.84% | 5.46% | 5.11% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.51% | -25.78% | -30.52% | -10.43% | -10.04% | 23.80% | 30.53% | 0.24% | +1,067 bps | |
| Loan Growth (YoY) | 8.79% | 13.20% | 15.83% | 52.09% | -0.46% | -1.97% | 0.39% | -19.31% | -7,139 bps | |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 2.55% | 2.50% | 3.31% | 2.45% | 3.55% | 3.51% | 5.57% | 6.28% | +383 bps | |
| Allowance / Loans | 4.93% | 4.74% | 3.74% | 4.26% | 3.80% | 3.78% | 4.40% | 3.64% | -62 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 | 146.50% | 92.96% | 97.28% | 99.65% | 134.09% | 126.42% | 127.70% | 117.72% | +1,807 bps | |
| Equity / Assets | 87.83% | 75.67% | 81.15% | 86.19% | 85.74% | 87.46% | 87.44% | 87.11% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 942% | 1065% | 1026% | 1402% | 938% | 1044% | 1030% | 1131% | -27,067 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 |