Atlanta, GA · Cert 58496
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.20% | 3.87% | -13.21% | -6.05% | 2.46% | -0.22% | 2.36% | 0.77% | +682 bps | |
| Return on Equity | 13.07% | 8.78% | -31.42% | -14.64% | 6.11% | -0.56% | 6.50% | 2.10% | +1,674 bps | |
| Net Interest Margin | 8.03% | 8.79% | -21.93% | 10.43% | 11.22% | 11.25% | 10.96% | 10.60% | +17 bps | |
| Efficiency Ratio | 20.86% | 40.64% | n/a | 9.87% | 8.92% | 8.56% | 8.94% | 10.19% | +33 bps | |
| Non-Interest Burden | -1.99% | 2.62% | -1.15% | -7.22% | -9.53% | -7.90% | -7.85% | -0.85% | +638 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 58.46% | 54.51% | 35.13% | 18.91% | 12.91% | 9.62% | 12.60% | 12.78% | -614 bps | |
| Loan Growth (YoY) | 53.16% | 53.79% | 25.18% | 16.91% | 12.51% | 13.15% | 27.80% | 20.84% | +393 bps | |
| Deposit Growth (YoY) | 12.91% | 20.89% | 9.46% | -86.96% | -89.42% | 4.16% | 14.58% | 1167% | +125,401 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 | 0.00% | 0.00% | 0.00% | 7.80% | 8.72% | 8.52% | 8.05% | 9.29% | +149 bps | |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 5.49% | 7.15% | 9.24% | 10.12% | 10.88% | +539 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 | 46.34% | 43.25% | 39.32% | 42.23% | 40.44% | 38.08% | 36.70% | 38.93% | -330 bps | |
| Equity / Assets | 45.69% | 42.67% | 41.42% | 41.19% | 39.44% | 37.07% | 35.69% | 37.87% | -333 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 412211% | 418532% | 423357% | 2854747% | 4383366% | 454667% | 472216% | 272254% | -258,249,305 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.14% | 0.18% | 0.07% | 0.10% | 0.12% | 0.17% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |