Norcross, GA · Cert 35466
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.84% | 2.39% | 3.82% | -2.63% | 4.24% | 0.64% | -1.95% | -0.77% | +186 bps | |
| Return on Equity | 4.37% | 2.89% | 4.88% | -3.13% | 4.93% | 0.74% | -2.23% | -0.89% | +224 bps | |
| Net Interest Margin | 6.36% | 8.11% | 9.19% | 10.07% | 8.15% | 7.34% | 7.38% | 7.73% | -234 bps | |
| Efficiency Ratio | 38.46% | 43.52% | 66.44% | 77.69% | 72.60% | -25.00% | 79.91% | 71.26% | -643 bps | |
| Non-Interest Burden | -2.92% | -0.10% | 3.70% | 6.09% | 4.95% | 2.48% | 5.46% | 4.74% | -135 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 | 3.18% | 3.26% | 3.31% | 2.47% | 3.34% | 4.47% | 5.57% | 7.48% | +501 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 |