Suwanee, GA · Cert 57346
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 | 1.19% | 0.66% | -7.00% | -19.84% | -15.50% | -15.36% | -10.19% | -21.45% | -161 bps | |
| Return on Equity | 7.67% | 4.31% | -48.67% | -167.38% | -147.25% | -166.52% | -422% | 4208% | +437,562 bps | |
| Net Interest Margin | 3.12% | 2.94% | 0.26% | -0.05% | -0.03% | -0.25% | -1.62% | -2.11% | -206 bps | |
| Efficiency Ratio | 38.74% | 43.41% | 452% | n/a | n/a | n/a | n/a | n/a | n/a | |
| Non-Interest Burden | 1.19% | 1.36% | 1.42% | 15.55% | 11.97% | 9.91% | 3.08% | 5.49% | -1,006 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 | 0.37% | 0.45% | 2.64% | 3.25% | 4.68% | 6.82% | 9.58% | 24.27% | +2,102 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 |