Atlanta, GA · Cert 58211
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.70% | -1.53% | -0.95% | -0.44% | -12.96% | -14.89% | -7.65% | -17.43% | -1,699 bps | |
| Return on Equity | -6.68% | -15.23% | -9.53% | -4.39% | -147.79% | -259% | -163.34% | -506% | -50,141 bps | |
| Net Interest Margin | 3.10% | 3.35% | 2.23% | 2.92% | 3.07% | 2.51% | 2.33% | 2.30% | -62 bps | |
| Efficiency Ratio | 104.77% | 136.34% | 138.92% | 102.26% | 151.43% | 179.49% | n/a | 309% | +20,633 bps | |
| Non-Interest Burden | 3.29% | 4.42% | 3.40% | 3.01% | 4.64% | 4.90% | 9.12% | 5.76% | +275 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 | -0.06% | 1.32% | 1.18% | 0.03% | 0.75% | 5.72% | 6.41% | 14.15% | +1,411 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 |