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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.84% | -4.96% | -4.75% | -4.62% | -5.75% | -491 bps | |
| Return on Equity | -10.22% | -69.07% | -75.02% | -171.41% | -279% | -26,890 bps | |
| Net Interest Margin | 1.81% | 1.51% | 1.47% | 1.82% | 1.86% | +6 bps | |
| Efficiency Ratio | 120.14% | 139.76% | 144.45% | 137.93% | 154.17% | +3,403 bps | |
| Non-Interest Burden | 2.22% | 2.15% | 2.18% | 2.57% | 2.92% | +70 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.09% | 5.98% | 13.93% | 6.59% | -2.33% | -2,141 bps | |
| Loan Growth (YoY) | 3.32% | -7.38% | -8.63% | -9.03% | -20.12% | -2,344 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 1.44% | 5.25% | 4.23% | 2.32% | 14.07% | +1,263 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.64% | 6.49% | 6.21% | 4.54% | 1.42% | -922 bps | |
| Equity / Assets | 7.76% | 4.34% | 3.15% | 2.22% | 0.71% | -705 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.42% | 68.72% | 64.68% | 66.05% | 59.82% | -1,760 bps | |
| Liquid Assets / Assets | 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 |