Douglasville, GA · Cert 57448
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.17% | -0.53% | -0.82% | -1.43% | -3.05% | -8.56% | -3.82% | -13.72% | -1,229 bps | |
| Return on Equity | -26.82% | -6.40% | -10.03% | -17.55% | -38.53% | -132.01% | -76.38% | -433% | -41,542 bps | |
| Net Interest Margin | 1.94% | 1.38% | 0.98% | 0.40% | 0.51% | 0.36% | 0.66% | 1.03% | +63 bps | |
| Efficiency Ratio | 120.11% | 120.20% | 201% | 767% | 561% | 984% | 474% | 411% | -35,609 bps | |
| Non-Interest Burden | 2.32% | 1.68% | 2.02% | 2.57% | 2.44% | 3.65% | 2.51% | 4.67% | +211 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 | 3.05% | 0.76% | 4.41% | 2.47% | 3.04% | 6.71% | 2.25% | 12.38% | +992 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 |