Powder Springs, GA · Cert 57151
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.
Powder Springs, GA · Cert 57151
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 | 1.20% | 1.13% | 0.67% | 0.54% | 0.48% | 0.19% | -1.48% | -4.01% | -455 bps | |
| Return on Equity | 12.82% | 12.15% | 7.42% | 6.03% | 5.30% | 2.15% | -17.94% | -52.24% | -5,827 bps | |
| Net Interest Margin | 3.57% | 3.45% | 3.11% | 2.76% | 2.56% | 2.37% | 1.87% | 1.65% | -111 bps | |
| Efficiency Ratio | 43.72% | 44.42% | 57.37% | 61.61% | 64.24% | 72.04% | 88.87% | 127.73% | +6,612 bps | |
| Non-Interest Burden | 1.52% | 1.50% | 1.75% | 1.66% | 1.61% | 1.72% | 1.65% | 2.05% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 37.70% | 25.95% | 19.54% | 16.52% | 5.91% | 9.92% | 9.24% | 2.83% | -1,369 bps | |
| Loan Growth (YoY) | 33.15% | 27.88% | 21.87% | 15.42% | 12.03% | 10.00% | 4.41% | -1.71% | -1,714 bps | |
| Deposit Growth (YoY) | 31.16% | 24.17% | 19.47% | 17.80% | 5.32% | 13.25% | 13.14% | 8.09% | -971 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 | 0.06% | 0.22% | 0.02% | 0.01% | 0.09% | 0.21% | 0.87% | 2.83% | +282 bps | |
| Allowance / Loans | 1.09% | 1.00% | 1.03% | 1.04% | 1.07% | 1.17% | 1.77% | 2.87% | +183 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 | 11.14% | 10.97% | 10.86% | 10.61% | 10.71% | 10.46% | 10.21% | 8.59% | -202 bps | |
| Equity / Assets | 8.89% | 9.05% | 9.09% | 8.77% | 8.99% | 8.47% | 8.03% | 6.49% | -228 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.95% | 101.21% | 102.52% | 102.38% | 106.31% | 98.31% | 94.61% | 93.09% | -929 bps | |
| Liquid Assets / Assets | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.17% | 5.70% | 4.26% | +426 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |