Roswell, GA · Cert 57432
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, 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.
Roswell, GA · Cert 57432
FDIC
Q4 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.16% | -2.52% | -3.86% | -5.05% | -2.37% | -3.22% | -2.41% | -3.42% | +163 bps | |
| Return on Equity | -24.51% | -30.66% | -51.45% | -74.18% | -68.30% | -103.82% | -82.54% | -136.52% | -6,233 bps | |
| Net Interest Margin | 1.76% | 1.54% | 1.15% | 1.25% | 1.37% | 1.15% | 1.20% | 1.32% | +7 bps | |
| Efficiency Ratio | 126.15% | 138.14% | 174.87% | 421% | 161.10% | 183.32% | 191.55% | 356% | -6,499 bps | |
| Non-Interest Burden | 2.26% | 2.15% | 2.04% | 3.07% | 2.30% | 2.24% | 2.44% | 3.44% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.32% | 13.33% | 19.18% | 1.74% | 2.82% | -7.19% | -17.82% | -10.61% | -1,235 bps | |
| Loan Growth (YoY) | 4.65% | -1.76% | -8.71% | -10.31% | -14.00% | -15.50% | -11.90% | -16.57% | -626 bps | |
| Deposit Growth (YoY) | 6.70% | 14.10% | 24.94% | 8.58% | 9.30% | -2.58% | -14.57% | -6.49% | -1,507 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 | 0.11% | 1.90% | 3.47% | 3.77% | 1.02% | 2.86% | 2.23% | 3.62% | -15 bps | |
| Allowance / Loans | 1.72% | 1.55% | 1.88% | 2.30% | 2.68% | 2.70% | 2.60% | 1.94% | -36 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 | 10.86% | 10.08% | 8.35% | 6.19% | 5.55% | 4.31% | 4.19% | 1.80% | -439 bps | |
| Equity / Assets | 8.31% | 7.16% | 5.54% | 3.84% | 3.11% | 2.36% | 2.33% | 0.64% | -320 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.63% | 82.84% | 73.00% | 79.87% | 72.88% | 71.84% | 75.29% | 71.25% | -861 bps | |
| Liquid Assets / Assets | 0.79% | 3.42% | 5.05% | 5.00% | 1.58% | 1.68% | 5.26% | 5.37% | +37 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |