Atlanta, GA · Charter 67358
Q1 2009
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.40% | 0.28% | -0.23% | -0.17% | -0.36% | -0.56% | -4.24% | -401 bps | |
| Return on Equity | 1.96% | 1.96% | 1.35% | -1.20% | -0.91% | -1.88% | -2.98% | -26.03% | -2,483 bps | |
| Net Interest Margin | 4.63% | 4.87% | 4.91% | 4.39% | 4.10% | 4.23% | 4.24% | 3.60% | -79 bps | |
| Efficiency Ratio | 90.82% | 91.06% | 91.52% | 93.14% | 95.41% | 95.16% | 99.21% | 104.40% | +1,125 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.30% | -7.80% | -6.29% | -3.03% | 5.90% | 5.75% | 7.29% | 8.95% | +1,199 bps | |
| Loan Growth (YoY) | -6.75% | 1.98% | 5.02% | 2.63% | -0.20% | -6.59% | -7.54% | -9.94% | -1,258 bps | |
| Share Growth (YoY) | -15.92% | -12.10% | -8.76% | -5.30% | 7.06% | 9.27% | 7.74% | 13.19% | +1,849 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 0.57% | 1.41% | 0.73% | 0.86% | 2.43% | 2.13% | 2.34% | +161 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 | 0.86% | 0.66% | 0.90% | 0.95% | 0.86% | 1.28% | 1.30% | 3.23% | +228 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.75% | 20.63% | 20.95% | 19.40% | 18.63% | 19.22% | 18.96% | 16.28% | -312 bps | |
| Net Worth / Assets | 19.75% | 20.63% | 20.95% | 19.40% | 18.63% | 19.22% | 18.96% | 16.28% | -312 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.81% | 80.57% | 80.37% | 73.51% | 68.80% | 68.88% | 68.98% | 58.49% | -1,502 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |