Duluth, GA · Cert 58104
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.83% | -2.43% | -4.37% | -10.74% | -3.00% | -7.28% | -2.88% | -6.19% | +456 bps | |
| Return on Equity | -6.37% | -20.42% | -42.05% | -133.87% | -49.04% | -145.19% | -72.90% | -201% | -6,708 bps | |
| Net Interest Margin | 2.58% | 2.02% | 2.03% | 0.99% | 0.58% | 0.52% | 0.13% | 0.92% | -8 bps | |
| Efficiency Ratio | 118.21% | 141.62% | 165.03% | 339% | 595% | 732% | 1063% | 650% | +31,074 bps | |
| Non-Interest Burden | 3.06% | 3.03% | 3.45% | 3.52% | 3.56% | 4.13% | 2.87% | 6.10% | +259 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 94.81% | 72.32% | 17.23% | 26.30% | 23.64% | 5.22% | -1.88% | -17.73% | -4,403 bps | |
| Loan Growth (YoY) | 154.37% | 111.25% | 52.92% | 28.92% | 2.64% | -13.00% | -23.77% | -30.14% | -5,906 bps | |
| Deposit Growth (YoY) | 136.19% | 95.66% | 23.87% | 36.12% | 34.20% | 13.27% | 5.05% | -14.07% | -5,019 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 | 2.76% | 1.85% | 3.03% | 9.33% | 0.37% | 5.58% | -0.06% | 1.83% | -750 bps | |
| Allowance / Loans | 1.33% | 1.15% | 1.20% | 1.31% | 1.46% | 1.49% | 1.66% | 1.71% | +40 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 | 15.16% | 13.14% | 11.86% | 8.83% | 8.04% | 5.99% | 5.49% | 3.89% | -493 bps | |
| Equity / Assets | 13.16% | 10.86% | 9.93% | 6.34% | 5.88% | 4.14% | 3.76% | 2.36% | -397 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.18% | 95.29% | 97.94% | 83.30% | 78.92% | 73.19% | 71.07% | 67.72% | -1,558 bps | |
| Liquid Assets / Assets | 1.09% | 1.03% | 0.16% | 2.30% | 2.88% | 1.13% | 3.92% | 5.38% | +309 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |