Alpharetta, GA · Cert 57430
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -51.85% | -2.41% | -9.85% | 0.62%1 | -15.69% | +3,616 bps | |
| Return on Equity | -358% | -32.64% | -171.94% | 13.61% | -578% | -21,997 bps | |
| Net Interest Margin | 1.64% | 1.34% | 0.48% | -0.03% | -1.22% | -286 bps | |
| Efficiency Ratio | 189.17% | 188.51% | 724% | n/a | n/a | n/a | |
| Non-Interest Burden | 48.69% | 2.35% | 2.25% | 2.17% | 2.33% | -4,636 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.41% | -1.01% | 4.86% | 17.50% | 4.44% | +1,285 bps | |
| Loan Growth (YoY) | -8.87% | -7.25% | -10.27% | -8.11% | -18.33% | -946 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 7.48% | 0.02% | 2.49% | 4.64% | 11.59% | +411 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.18% | 10.43% | 7.72% | 8.35% | 2.04% | -814 bps | |
| Equity / Assets | 7.92% | 6.88% | 4.60% | 4.46% | 0.80% | -713 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.69% | 76.06% | 69.75% | 62.56% | 61.19% | -1,949 bps | |
| Liquid Assets / Assets | 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 |