PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Silverton Bridge Bank, N.A.

Atlanta, GA · Cert 58987

FDIC

Q2 2010

$700.3MAssets
$56KLoans
$29.2MDeposits
$671.1MEquity
Deposit mix
0%Interest-bearing $0.0M100%Noninterest $29.2MQ2 2009Q2 2010

NIM

0.43%Q2 ’090.53%Q2 ’10+185%

Non-interest income vs. expense

0.94%Q2 ’090.18%Q2 ’10-99%

Executive Summary

  • Earnings: ROA of 0.50%, up 499 bps year over year; NIM at 0.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 0.19% of deposits as of Q2 2010.

Financial Results

Return on Assets (YTD, annualized)

0.50%+499 bps YoY

Net Interest Margin (YTD, annualized)

0.53%+116 bps YoY

Efficiency Ratio (YTD, annualized)

27.93%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets-4.50%-9.76%-8.38%0.09%0.50%+499 bps
Return on Equityn/an/an/a0.10%0.52%n/a
Net Interest Margin-0.62%-0.61%-0.26%0.66%0.53%+116 bps
Efficiency Ration/an/an/a81.83%27.93%n/a
Non-Interest Burden5.00%9.11%10.15%0.54%0.07%-493 bps
Growth
Asset Growth (YoY)n/an/an/an/a-69.38%n/an/a
Loan Growth (YoY)n/an/an/an/a-99.71%n/an/a
Deposit Growth (YoY)n/an/an/an/a-98.07%n/an/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital60.80%232%159.34%98.69%105.14%+4,435 bps
Equity / Assets30.10%91.95%96.77%96.29%95.83%+6,574 bps
Liquidity & Funding
Loans / Deposits1.30%1.92%47.93%0.01%0.19%-110 bps
Liquid Assets / Assets1.59%56.01%52.11%4.99%0.35%-124 bps
CRE / Total Capitaln/an/an/an/an/an/an/a