Atlanta, GA · Cert 58238
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.
Atlanta, GA · Cert 58238
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 | -1.61% | -1.33% | -2.82% | -6.37% | -6.37% | -8.24% | -2.44% | -6.87% | -49 bps | |
| Return on Equity | -17.14% | -14.04% | -29.15% | -70.35% | -75.82% | -111.12% | -100.27% | -463% | -39,261 bps | |
| Net Interest Margin | 2.10% | 2.36% | 2.25% | 2.52% | 2.59% | 2.60% | 2.13% | 2.21% | -31 bps | |
| Efficiency Ratio | 105.17% | 94.56% | 168.50% | 165.55% | 140.32% | 156.02% | 132.56% | 173.52% | +797 bps | |
| Non-Interest Burden | 2.23% | 2.19% | 3.73% | 4.27% | 3.86% | 4.38% | 3.33% | 4.60% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.91% | -5.06% | -5.08% | -13.93% | -16.44% | -17.83% | -19.93% | -17.16% | -323 bps | |
| Loan Growth (YoY) | 14.48% | -8.71% | -11.51% | -15.30% | -23.67% | -23.74% | -25.24% | -31.42% | -1,612 bps | |
| Deposit Growth (YoY) | 20.13% | 3.10% | -1.68% | -4.65% | -9.60% | -9.90% | -14.33% | -10.82% | -617 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 | 0.79% | 2.24% | 1.95% | 4.39% | 4.45% | 9.08% | 0.13% | 5.06% | +67 bps | |
| Allowance / Loans | 2.65% | 2.05% | 2.11% | 3.14% | 4.72% | 3.76% | 4.67% | 5.86% | +272 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 | 12.23% | 12.13% | 11.55% | 9.74% | 8.44% | 4.47% | 3.64% | -0.90% | -1,064 bps | |
| Equity / Assets | 9.74% | 9.99% | 9.36% | 7.72% | 6.27% | 2.85% | 2.01% | -0.55% | -827 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.12% | 101.30% | 95.25% | 97.14% | 89.61% | 85.74% | 83.12% | 74.70% | -2,244 bps | |
| Liquid Assets / Assets | 0.06% | 0.15% | 0.15% | 0.10% | 0.20% | 0.12% | 4.67% | 3.21% | +311 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |