Suwanee, GA · Cert 57346
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 | 1.21% | -0.83% | -7.00% | -33.50% | -6.50% | -14.84% | -10.19% | -33.94% | -45 bps | |
| Return on Equity | 8.10% | -5.68% | -48.67% | -319% | -101.03% | -298% | -422% | 1156% | +147,450 bps | |
| Net Interest Margin | 3.14% | 2.27% | 0.26% | -0.36% | 0.01% | -0.89% | -1.62% | -2.31% | -195 bps | |
| Efficiency Ratio | 39.64% | 71.43% | 452% | n/a | n/a | n/a | n/a | n/a | n/a | |
| Non-Interest Burden | 1.22% | 1.83% | 1.42% | 29.67% | 2.39% | 3.19% | 3.08% | 7.38% | -2,229 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.32% | 16.87% | 5.77% | -3.32% | -8.49% | -14.09% | -13.86% | -29.79% | -2,647 bps | |
| Loan Growth (YoY) | 29.16% | 15.58% | 0.85% | -11.46% | -22.11% | -27.95% | -27.00% | -32.64% | -2,118 bps | |
| Deposit Growth (YoY) | 36.21% | 18.33% | 7.90% | 8.50% | 2.04% | -0.41% | -2.87% | -22.62% | -3,113 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 | 0.94% | 0.67% | 2.64% | 3.64% | 6.96% | 12.17% | 9.58% | 37.27% | +3,363 bps | |
| Allowance / Loans | 0.84% | 1.22% | 3.99% | 5.47% | 7.26% | 4.77% | 4.96% | 6.35% | +87 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 | 10.11% | 10.17% | 10.08% | 10.08% | 10.17% | 6.02% | 2.79% | -10.68% | -2,076 bps | |
| Equity / Assets | 14.77% | 14.32% | 14.44% | 6.54% | 6.32% | 3.56% | 1.18% | -8.06% | -1,459 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.93% | 100.79% | 95.81% | 80.12% | 77.04% | 72.91% | 72.01% | 69.75% | -1,037 bps | |
| Liquid Assets / Assets | 1.38% | 0.08% | 0.21% | 0.25% | 0.17% | 9.36% | 3.57% | 2.04% | +179 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |