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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | -0.55% | -0.26% | -51.85% | -2.41% | -9.85% | 0.62%1 | -15.69% | +3,616 bps | |
| Return on Equity | 0.52% | -2.84% | -1.27% | -358% | -32.64% | -171.94% | 13.61% | -578% | -21,997 bps | |
| Net Interest Margin | 3.27% | 2.77% | 1.85% | 1.64% | 1.34% | 0.48% | -0.03% | -1.22% | -286 bps | |
| Efficiency Ratio | 62.18% | 76.56% | 120.80% | 189.17% | 188.51% | 724% | n/a | n/a | n/a | |
| Non-Interest Burden | 2.05% | 2.15% | 2.30% | 48.69% | 2.35% | 2.25% | 2.17% | 2.33% | -4,636 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 | 0.02% | 2.37% | -0.01% | 7.48% | 0.02% | 2.49% | 4.64% | 11.59% | +411 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 |