Roswell, GA · Cert 57432
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -2.88% | -6.31% | -8.33% | -2.37% | -4.01% | -0.66% | -6.75% | +158 bps | |
| Return on Equity | -24.51% | -37.27% | -99.50% | -175.46% | -68.30% | -146.28% | -28.24% | -449% | -27,367 bps | |
| Net Interest Margin | 1.76% | 1.41% | 0.73% | 1.29% | 1.37% | 0.96% | 1.12% | 1.38% | +9 bps | |
| Efficiency Ratio | 126.15% | 153.32% | 329% | 421% | 161.10% | 212% | 210% | 356% | -6,499 bps | |
| Non-Interest Burden | 2.26% | 2.18% | 2.30% | 5.74% | 2.30% | 2.24% | 2.50% | 5.82% | +8 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% | 3.68% | 6.31% | 4.37% | 1.02% | 4.66% | 0.76% | 7.22% | +284 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 |