Lawrenceville, GA · Cert 57794
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Lawrenceville, GA · Cert 57794
FDIC
Q3 2009
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | -1.46% | -0.87% | -0.52% | -1.98% | -0.29% | -6.53% | -8.05% | -753 bps | |
| Return on Equity | 2.51% | -16.11% | -9.85% | -6.09% | -24.50% | -4.43% | -122.35% | -194.68% | -18,858 bps | |
| Net Interest Margin | 2.69% | 1.93% | 1.91% | 1.76% | 1.45% | 0.93% | 0.68% | 0.58% | -118 bps | |
| Efficiency Ratio | 69.51% | 102.97% | 109.31% | 112.99% | 126.95% | 169.10% | 237% | 300% | +18,741 bps | |
| Non-Interest Burden | 1.79% | 1.99% | 2.09% | 2.01% | 1.88% | 1.64% | 1.95% | 2.98% | +97 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 58.80% | 50.65% | 23.43% | 28.24% | 13.36% | 10.07% | 8.87% | -6.89% | -3,513 bps | |
| Loan Growth (YoY) | 78.09% | 66.84% | 33.41% | 32.46% | 22.28% | 18.43% | 10.96% | -2.59% | -3,505 bps | |
| Deposit Growth (YoY) | 54.68% | 46.30% | 23.42% | 29.03% | 18.43% | 14.44% | 23.36% | 5.73% | -2,331 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 | 0.00% | 0.41% | 0.20% | 0.12% | 0.24% | 1.32% | 2.94% | 6.65% | +653 bps | |
| Allowance / Loans | 1.54% | 1.90% | 1.80% | 1.50% | 2.98% | 2.75% | 5.43% | 4.57% | +307 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 | 12.39% | 11.56% | 11.39% | 10.79% | 8.93% | 8.68% | 5.08% | 1.16% | -962 bps | |
| Equity / Assets | 9.28% | 8.87% | 8.47% | 7.61% | 6.49% | 6.39% | 3.01% | 0.36% | -725 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.40% | 84.66% | 96.14% | 87.71% | 87.14% | 87.61% | 86.48% | 80.81% | -690 bps | |
| Liquid Assets / Assets | 1.17% | 0.06% | 0.13% | 0.13% | 0.00% | 0.00% | 0.00% | 0.00% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |