Lawrenceville, GA · Cert 57794
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.75% | -1.46% | -0.28% | 0.13% | -5.95% | -0.29% | -12.93% | -11.26% | -1,139 bps | |
| Return on Equity | -7.51% | -16.11% | -3.18% | 1.63% | -84.37% | -4.43% | -273% | -665% | -66,684 bps | |
| Net Interest Margin | 2.53% | 1.93% | 1.77% | 1.77% | 0.98% | 0.93% | 0.42% | 0.34% | -143 bps | |
| Efficiency Ratio | 84.13% | 102.97% | 116.07% | 119.49% | 202% | 169.10% | 327% | 372% | +25,206 bps | |
| Non-Interest Burden | 2.11% | 1.99% | 2.09% | 2.18% | 1.99% | 1.64% | 2.22% | 4.93% | +275 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% | 0.00% | 0.00% | 0.60% | 1.32% | 4.54% | 13.71% | +1,371 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 |