Atlanta, GA · Charter 67357
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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 67357
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.04% | -2.58% | -0.62% | -0.56% | -0.95% | -2.12% | -2.02% | -140 bps | |
| Return on Equity | 0.21% | 0.19% | -15.03% | -3.59% | -3.32% | -5.53% | -13.41% | -13.75% | -1,017 bps | |
| Net Interest Margin | 4.72% | 4.96% | 4.62% | 4.57% | 4.48% | 4.70% | 3.99% | 3.99% | -58 bps | |
| Efficiency Ratio | 99.21% | 99.30% | 107.52% | 85.24% | 90.02% | 96.45% | 126.18% | 120.43% | +3,518 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.11% | 2.43% | 2.93% | 4.42% | 5.73% | 4.10% | 3.31% | 2.66% | -176 bps | |
| Loan Growth (YoY) | -13.26% | -6.74% | 2.39% | 8.83% | 4.63% | 1.69% | -3.39% | -13.47% | -2,230 bps | |
| Share Growth (YoY) | -2.34% | 3.37% | 4.59% | 5.82% | 7.56% | 6.42% | 5.07% | 5.82% | 0 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.45% | 1.70% | 1.29% | 0.71% | 0.95% | 0.65% | 0.98% | -31 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 | 0.71% | 0.72% | 0.54% | 0.37% | 0.40% | 0.90% | 0.69% | 1.21% | +84 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.11% | 18.94% | 17.19% | 17.25% | 16.72% | 17.24% | 15.83% | 14.69% | -255 bps | |
| Net Worth / Assets | 18.11% | 18.94% | 17.19% | 17.25% | 16.72% | 17.24% | 15.83% | 14.69% | -255 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.50% | 73.33% | 69.86% | 71.35% | 67.61% | 70.07% | 64.23% | 58.35% | -1,300 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |