Atlanta, GA · Charter 61064
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Atlanta, GA · Charter 61064
Q1 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.47% | 1.62% | 1.17% | 0.78% | 0.03% | 0.03% | 0.11% | -106 bps | |
| Return on Equity | 3.15% | 4.57% | 15.17% | 11.04% | 7.44% | 0.28% | 0.27% | 1.08% | -997 bps | |
| Net Interest Margin | 2.08% | 2.33% | 2.23% | 2.19% | 2.17% | 2.18% | 2.42% | 2.48% | +29 bps | |
| Efficiency Ratio | 79.25% | 74.37% | 50.45% | 57.63% | 65.86% | 85.25% | 78.35% | 82.43% | +2,480 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.80% | 23.86% | 19.68% | 9.55% | 10.82% | 8.24% | 2.89% | 1.59% | -796 bps | |
| Loan Growth (YoY) | 16.61% | 16.69% | 15.89% | 0.34% | 0.13% | -0.94% | -3.50% | -7.76% | -810 bps | |
| Share Growth (YoY) | 30.04% | 26.10% | 20.56% | 10.53% | 12.16% | 8.48% | 3.13% | 1.74% | -879 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.60% | 1.16% | 1.57% | 1.80% | 2.06% | 2.22% | 2.18% | 1.45% | -34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.00% | 1.01% | 1.05% | 1.10% | 1.16% | 1.25% | 1.35% | 1.61% | +52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.63% | 10.26% | 10.70% | 10.64% | 10.45% | 10.13% | 10.41% | 10.42% | -22 bps | |
| Net Worth / Assets | 11.63% | 10.26% | 10.70% | 10.64% | 10.45% | 10.13% | 10.41% | 10.42% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.39% | 52.14% | 50.84% | 51.00% | 50.34% | 47.61% | 47.57% | 46.24% | -476 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |