Woodstock, GA · Cert 58226
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Woodstock, GA · Cert 58226
FDIC
Q2 2011
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 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.52% | -5.13% | -1.56% | -2.03% | -3.56% | -4.97% | -1.99% | -4.45% | -242 bps | |
| Return on Equity | -53.34% | -52.86% | -22.59% | -30.15% | -56.51% | -87.41% | -77.40% | -231% | -20,116 bps | |
| Net Interest Margin | 0.94% | 1.14% | 1.59% | 1.61% | 1.46% | 1.49% | 1.53% | 1.59% | -3 bps | |
| Efficiency Ratio | 321% | 328% | 192.12% | 211% | 255% | 248% | 199.61% | 180.18% | -3,088 bps | |
| Non-Interest Burden | 3.17% | 3.42% | 3.17% | 3.33% | 3.46% | 3.65% | 3.47% | 3.47% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.66% | 6.45% | -6.31% | -4.20% | -4.21% | -14.49% | -11.64% | -8.82% | -462 bps | |
| Loan Growth (YoY) | 1.30% | -5.51% | -7.51% | -13.49% | -15.66% | -15.38% | -16.69% | -17.07% | -358 bps | |
| Deposit Growth (YoY) | 19.85% | 14.32% | -2.00% | -0.84% | -0.66% | -11.09% | -7.82% | -3.34% | -250 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 | 6.05% | 4.64% | 0.13% | 0.79% | 2.81% | 4.15% | -0.88% | 1.77% | +98 bps | |
| Allowance / Loans | 1.34% | 1.98% | 1.99% | 2.00% | 2.17% | 2.94% | 3.26% | 4.43% | +243 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 | 12.12% | 10.08% | 10.12% | 9.91% | 7.94% | 4.86% | 4.21% | 1.56% | -835 bps | |
| Equity / Assets | 8.28% | 7.11% | 6.68% | 6.41% | 4.90% | 2.88% | 2.28% | 0.64% | -577 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.39% | 77.70% | 75.31% | 74.49% | 69.95% | 73.95% | 68.06% | 63.91% | -1,058 bps | |
| Liquid Assets / Assets | 4.53% | 9.30% | 13.00% | 13.95% | 17.55% | 10.00% | 16.40% | 15.24% | +129 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |