Alpharetta, GA · Cert 57430
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.
Alpharetta, GA · Cert 57430
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 | 0.53% | 0.26% | -0.26% | -25.53% | -17.54% | -15.55% | 0.62%1 | -7.52% | +1,801 bps | |
| Return on Equity | 2.69% | 1.32% | -1.27% | -156.32% | -126.66% | -130.72% | 13.61% | -225% | -6,840 bps | |
| Net Interest Margin | 3.43% | 3.32% | 1.85% | 1.70% | 1.58% | 1.28% | -0.03% | -0.63% | -233 bps | |
| Efficiency Ratio | 58.78% | 62.49% | 120.80% | 146.95% | 158.09% | 195.06% | n/a | n/a | n/a | |
| Non-Interest Burden | 2.03% | 2.09% | 2.30% | 25.45% | 17.70% | 13.51% | 2.17% | 2.29% | -2,315 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.22% | 0.63% | -8.97% | -8.41% | -1.01% | 4.86% | 17.50% | 4.44% | +1,285 bps | |
| Loan Growth (YoY) | 11.34% | 3.72% | -8.49% | -8.87% | -7.25% | -10.27% | -8.11% | -18.33% | -946 bps | |
| Deposit Growth (YoY) | 17.80% | -2.06% | -11.16% | 5.51% | 12.30% | 21.51% | 37.36% | 7.69% | +218 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 | 0.30% | 0.82% | -0.01% | 3.74% | 2.52% | 2.63% | 4.64% | 8.32% | +458 bps | |
| Allowance / Loans | 1.41% | 1.39% | 1.50% | 0.88% | 1.86% | 2.43% | 2.39% | 5.14% | +426 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 | 10.81% | 10.51% | 11.21% | 10.18% | 10.43% | 7.72% | 8.35% | 2.04% | -814 bps | |
| Equity / Assets | 19.13% | 19.83% | 21.20% | 7.92% | 6.88% | 4.60% | 4.46% | 0.80% | -713 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.09% | 94.46% | 93.53% | 80.69% | 76.06% | 69.75% | 62.56% | 61.19% | -1,949 bps | |
| Liquid Assets / Assets | 0.51% | 0.53% | 0.58% | 0.56% | 0.51% | 21.25% | 26.37% | 21.16% | +2,060 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |