Suwanee, GA · Cert 58273
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 | -2.54% | -2.41% | 0.02% | -1.55% | -2.79% | -3.50% | -0.81% | -1.70% | -15 bps | |
| Return on Equity | -33.70% | -33.93% | 0.41% | -28.69% | -55.72% | -77.84% | -35.97% | -81.05% | -5,236 bps | |
| Net Interest Margin | 1.48% | 1.57% | 2.18% | 1.87% | 1.64% | 1.54% | 1.27% | 1.18% | -69 bps | |
| Efficiency Ratio | 170.66% | 156.55% | 88.31% | 136.72% | 158.71% | 185.75% | 134.09% | 202% | +6,526 bps | |
| Non-Interest Burden | 2.63% | 2.54% | 1.92% | 2.43% | 2.50% | 2.70% | 2.08% | 2.89% | +46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.54% | 14.02% | 11.90% | 3.71% | -5.31% | -8.74% | -7.53% | -11.91% | -1,562 bps | |
| Loan Growth (YoY) | 2.68% | 7.57% | 1.24% | 2.86% | -6.91% | -14.05% | -16.19% | -16.68% | -1,954 bps | |
| Deposit Growth (YoY) | 21.25% | 17.46% | 14.50% | 4.69% | -2.93% | -5.80% | -4.10% | -9.28% | -1,397 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 | 1.68% | 1.37% | 0.54% | 1.83% | 3.37% | 3.53% | 0.36% | 1.00% | -83 bps | |
| Allowance / Loans | 1.98% | 2.22% | 2.22% | 2.02% | 2.04% | 2.55% | 2.58% | 2.20% | +17 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 | 8.81% | 7.91% | 8.02% | 7.30% | 5.85% | 4.23% | 4.02% | 3.38% | -392 bps | |
| Equity / Assets | 6.12% | 5.48% | 5.65% | 5.03% | 3.81% | 2.33% | 2.15% | 1.78% | -325 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.96% | 86.10% | 85.48% | 86.10% | 80.53% | 78.56% | 74.70% | 79.08% | -702 bps | |
| Liquid Assets / Assets | 8.61% | 5.79% | 5.72% | 4.56% | 4.66% | 4.68% | 7.53% | 7.21% | +265 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |