Douglasville, GA · Cert 57448
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 30, 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.
Douglasville, GA · Cert 57448
FDIC
Q2 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.31% | -1.11% | -0.82% | -1.12% | -1.74% | -3.38% | -3.82% | -8.70% | -758 bps | |
| Return on Equity | -15.93% | -13.49% | -10.03% | -13.73% | -21.67% | -44.92% | -76.38% | -222% | -20,833 bps | |
| Net Interest Margin | 2.23% | 1.97% | 0.98% | 0.70% | 0.65% | 0.59% | 0.66% | 0.85% | +14 bps | |
| Efficiency Ratio | 82.48% | 89.42% | 201% | 334% | 385% | 483% | 474% | 430% | +9,620 bps | |
| Non-Interest Burden | 1.83% | 1.75% | 2.02% | 2.33% | 2.41% | 2.76% | 2.51% | 3.61% | +128 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.22% | 4.10% | 0.79% | -2.04% | -5.28% | -9.56% | -9.31% | -10.11% | -808 bps | |
| Loan Growth (YoY) | -6.72% | -8.75% | -12.66% | -13.46% | -15.76% | -18.79% | -23.50% | -28.31% | -1,485 bps | |
| Deposit Growth (YoY) | -1.15% | 4.21% | 1.53% | -2.59% | -4.75% | -6.86% | -5.98% | -3.61% | -103 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 | 1.56% | 1.42% | 4.41% | 3.53% | 3.49% | 4.53% | 2.25% | 7.44% | +391 bps | |
| Allowance / Loans | 3.19% | 3.35% | 2.48% | 2.15% | 2.69% | 2.94% | 3.46% | 5.14% | +299 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% | 10.86% | 10.41% | 10.23% | 8.99% | 7.98% | 7.04% | 3.08% | -715 bps | |
| Equity / Assets | 8.32% | 8.18% | 8.12% | 8.22% | 7.61% | 5.35% | 4.66% | 1.60% | -662 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.89% | 80.77% | 80.14% | 80.73% | 77.73% | 70.42% | 65.21% | 60.05% | -2,068 bps | |
| Liquid Assets / Assets | 1.10% | 0.79% | 0.60% | 0.56% | 3.34% | 5.40% | 5.40% | 6.55% | +599 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |