Duluth, GA · Cert 58104
FDIC
Q4 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 | 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% | -1.64% | -2.62% | -4.81% | -3.00% | -5.09% | -4.41% | -4.82% | -1 bps | |
| Return on Equity | -6.37% | -13.34% | -22.50% | -46.11% | -49.04% | -93.11% | -86.84% | -104.98% | -5,887 bps | |
| Net Interest Margin | 2.58% | 2.24% | 2.08% | 1.69% | 0.58% | 0.56% | 0.43% | 0.58% | -111 bps | |
| Efficiency Ratio | 118.21% | 129.68% | 141.06% | 169.51% | 595% | 661% | 737% | 705% | +53,556 bps | |
| Non-Interest Burden | 3.06% | 2.97% | 3.01% | 2.96% | 3.56% | 3.89% | 3.63% | 4.48% | +152 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% | 2.18% | 2.42% | 4.15% | 0.37% | 2.99% | 2.19% | 2.25% | -190 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 |