Acworth, GA · Cert 57658
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.
Acworth, GA · Cert 57658
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 | -0.43% | -0.97% | -0.49% | -0.84% | -4.96% | -4.75% | -4.62% | -5.75% | -491 bps | |
| Return on Equity | -4.44% | -10.30% | -5.82% | -10.22% | -69.07% | -75.02% | -171.41% | -279% | -26,890 bps | |
| Net Interest Margin | 2.65% | 2.24% | 2.01% | 1.81% | 1.51% | 1.47% | 1.82% | 1.86% | +6 bps | |
| Efficiency Ratio | 88.34% | 99.40% | 109.67% | 120.14% | 139.76% | 144.45% | 137.93% | 154.17% | +3,403 bps | |
| Non-Interest Burden | 2.29% | 2.22% | 2.22% | 2.22% | 2.15% | 2.18% | 2.57% | 2.92% | +70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 34.83% | 16.05% | 10.55% | 19.09% | 5.98% | 13.93% | 6.59% | -2.33% | -2,141 bps | |
| Loan Growth (YoY) | 22.42% | 13.97% | 0.67% | 3.32% | -7.38% | -8.63% | -9.03% | -20.12% | -2,344 bps | |
| Deposit Growth (YoY) | 38.70% | 18.06% | 11.92% | 21.85% | 10.23% | 20.16% | 11.48% | 3.38% | -1,847 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 | 0.01% | 1.35% | 0.60% | 1.44% | 5.25% | 4.23% | 2.32% | 14.07% | +1,263 bps | |
| Allowance / Loans | 1.71% | 1.36% | 1.43% | 1.43% | 2.84% | 2.95% | 4.00% | 0.61% | -81 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 | 11.27% | 10.72% | 11.08% | 10.64% | 6.49% | 6.21% | 4.54% | 1.42% | -922 bps | |
| Equity / Assets | 8.24% | 8.39% | 8.56% | 7.76% | 4.34% | 3.15% | 2.22% | 0.71% | -705 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.78% | 85.06% | 80.94% | 77.42% | 68.72% | 64.68% | 66.05% | 59.82% | -1,760 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.00% | 3.95% | 22.22% | 24.04% | 21.13% | 22.67% | +1,872 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |