Atlanta, GA · Cert 58211
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 30, 2010, 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.
Atlanta, GA · Cert 58211
FDIC
Q2 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.72% | -0.95% | -0.95% | -0.70% | -4.68% | -7.10% | -7.65% | -12.63% | -1,194 bps | |
| Return on Equity | -6.18% | -8.39% | -9.53% | -6.97% | -49.80% | -84.74% | -163.34% | -348% | -34,119 bps | |
| Net Interest Margin | 3.13% | 3.16% | 2.23% | 2.60% | 2.79% | 2.80% | 2.33% | 2.34% | -26 bps | |
| Efficiency Ratio | 96.49% | 104.17% | 138.92% | 117.97% | 127.86% | 139.11% | n/a | n/a | n/a | |
| Non-Interest Burden | 2.98% | 3.32% | 3.40% | 3.25% | 3.75% | 4.15% | 9.12% | 7.56% | +431 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 54.71% | 30.62% | 12.23% | -1.13% | -10.22% | -12.11% | -3.45% | -12.69% | -1,156 bps | |
| Loan Growth (YoY) | 44.56% | 14.40% | 1.25% | -7.59% | -16.57% | -17.87% | -16.72% | -23.69% | -1,610 bps | |
| Deposit Growth (YoY) | 49.14% | 45.31% | 23.96% | 9.54% | -5.29% | -7.78% | 2.78% | -3.72% | -1,326 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 | 0.77% | 0.93% | 1.18% | 0.64% | 0.69% | 1.98% | 6.41% | 10.77% | +1,013 bps | |
| Allowance / Loans | 1.83% | 2.00% | 1.90% | 2.22% | 3.16% | 5.97% | 4.84% | 7.35% | +512 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 | 11.39% | 11.04% | 11.35% | 11.27% | 10.32% | 6.22% | 8.17% | 3.20% | -807 bps | |
| Equity / Assets | 10.19% | 9.87% | 10.09% | 10.04% | 7.43% | 3.99% | 5.34% | 1.34% | -870 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.47% | 100.23% | 101.91% | 96.94% | 95.55% | 89.26% | 82.56% | 76.83% | -2,011 bps | |
| Liquid Assets / Assets | 1.36% | 3.68% | 5.01% | 10.19% | 9.77% | 10.61% | 16.54% | 22.62% | +1,242 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |