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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.37% | -6.37% | -8.24% | -2.44% | -6.87% | -49 bps | |
| Return on Equity | -70.35% | -75.82% | -111.12% | -100.27% | -463% | -39,261 bps | |
| Net Interest Margin | 2.52% | 2.59% | 2.60% | 2.13% | 2.21% | -31 bps | |
| Efficiency Ratio | 165.55% | 140.32% | 156.02% | 132.56% | 173.52% | +797 bps | |
| Non-Interest Burden | 4.27% | 3.86% | 4.38% | 3.33% | 4.60% | +33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.93% | -16.44% | -17.83% | -19.93% | -17.16% | -323 bps | |
| Loan Growth (YoY) | -15.30% | -23.67% | -23.74% | -25.24% | -31.42% | -1,612 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 4.39% | 4.45% | 9.08% | 0.13% | 5.06% | +67 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 9.74% | 8.44% | 4.47% | 3.64% | -0.90% | -1,064 bps | |
| Equity / Assets | 7.72% | 6.27% | 2.85% | 2.01% | -0.55% | -827 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.14% | 89.61% | 85.74% | 83.12% | 74.70% | -2,244 bps | |
| Liquid Assets / Assets | 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 |