Atlanta, GA · Cert 58238
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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -10.01% | -6.43% | -14.37% | -2.44% | -11.46% | -145 bps | |
| Return on Equity | -116.76% | -91.77% | -310% | -100.27% | -1509% | -139,268 bps | |
| Net Interest Margin | 2.67% | 2.46% | 2.23% | 2.13% | 2.22% | -44 bps | |
| Efficiency Ratio | 163.34% | 102.99% | 211% | 132.56% | 231% | +6,804 bps | |
| Non-Interest Burden | 4.61% | 2.57% | 5.36% | 3.33% | 5.77% | +116 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 | 6.74% | 3.72% | 21.63% | 0.13% | 9.98% | +323 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 |