Roswell, GA · Cert 57943
FDIC
Q1 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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.16% | -2.88% | -1.10% | -3.10% | -3.37% | -4.13% | -3.11% | -201 bps | |
| Return on Equity | 2.86% | 0.76% | -14.65% | -7.45% | -22.38% | -27.65% | -38.22% | -92.93% | -8,548 bps | |
| Net Interest Margin | 4.51% | 3.72% | 3.24% | 2.10% | 1.75% | 1.16% | 0.88% | -0.09% | -218 bps | |
| Efficiency Ratio | 72.29% | 80.24% | 106.25% | 139.90% | 194.53% | 276% | 371% | n/a | n/a | |
| Non-Interest Burden | 3.14% | 2.93% | 3.45% | 3.04% | 3.58% | 3.45% | 3.20% | 3.10% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 130.25% | 80.15% | 45.83% | 34.80% | 25.62% | 55.21% | 62.89% | 54.32% | +1,953 bps | |
| Loan Growth (YoY) | 172.35% | 85.01% | 73.46% | 33.11% | 23.55% | 28.60% | 23.55% | 14.17% | -1,894 bps | |
| Deposit Growth (YoY) | 228% | 117.49% | 65.52% | 49.79% | 36.05% | 71.65% | 78.89% | 81.57% | +3,178 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% | 0.00% | 0.67% | 0.00% | 2.51% | 2.48% | 3.07% | 0.00% | 0 bps | |
| Allowance / Loans | 1.18% | 1.29% | 2.93% | 2.83% | 2.10% | 1.23% | 1.26% | 3.11% | +28 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 | 22.61% | 20.61% | 17.95% | 16.50% | 14.42% | 11.25% | 9.33% | -0.47% | -1,697 bps | |
| Equity / Assets | 19.07% | 18.29% | 14.97% | 14.53% | 12.26% | 8.69% | 6.84% | -0.29% | -1,481 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.19% | 98.23% | 91.74% | 94.37% | 86.45% | 73.59% | 63.36% | 59.34% | -3,503 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 8.23% | 2.08% | 4.83% | +483 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |