Woodstock, GA · Cert 58226
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.52% | -4.00% | -1.56% | -2.50% | -6.75% | -9.49% | -1.99% | -6.84% | -435 bps | |
| Return on Equity | -73.10% | -52.01% | -22.59% | -38.12% | -119.11% | -241% | -77.40% | -467% | -42,901 bps | |
| Net Interest Margin | 0.99% | 1.65% | 1.59% | 1.63% | 1.05% | 1.40% | 1.53% | 1.65% | +2 bps | |
| Efficiency Ratio | 295% | 352% | 192.12% | 235% | 458% | 231% | 199.61% | 166.48% | -6,856 bps | |
| Non-Interest Burden | 3.04% | 3.90% | 3.17% | 3.46% | 3.54% | 3.72% | 3.47% | 3.48% | +2 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 | 13.52% | 0.06% | 0.13% | 1.45% | 6.71% | 8.04% | -0.88% | 4.48% | +303 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 |