Marietta, GA · Charter 67398
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Marietta, GA · Charter 67398
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 | 0.01% | 0.03% | -0.62% | 0.16% | 0.08% | 0.00% | -1.13% | -4.35% | -451 bps | |
| Return on Equity | 0.11% | 0.26% | -6.83% | 1.78% | 0.88% | 0.02% | -13.96% | -67.21% | -6,899 bps | |
| Net Interest Margin | 3.56% | 3.73% | 3.69% | 3.61% | 3.59% | 3.67% | 3.99% | 3.56% | -4 bps | |
| Efficiency Ratio | 95.39% | 95.92% | 105.72% | 92.79% | 94.13% | 94.49% | 96.87% | 127.86% | +3,507 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.25% | 15.42% | -1.93% | -0.94% | 0.45% | 3.18% | -4.45% | 1.26% | +221 bps | |
| Loan Growth (YoY) | 17.03% | 27.14% | 10.27% | 13.25% | 8.49% | 2.61% | -1.72% | -4.23% | -1,748 bps | |
| Share Growth (YoY) | 16.64% | 11.53% | -1.32% | 0.09% | 1.19% | 7.35% | -5.05% | 3.83% | +374 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.20% | 0.82% | 1.03% | 1.01% | 1.95% | 1.38% | 1.05% | 1.15% | +14 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 | 0.90% | 0.75% | 0.72% | 0.75% | 0.67% | 0.27% | 1.01% | 1.01% | +26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.40% | 9.70% | 9.00% | 8.75% | 8.80% | 8.79% | 8.06% | 6.48% | -227 bps | |
| Net Worth / Assets | 9.40% | 9.70% | 9.00% | 8.75% | 8.80% | 8.79% | 8.06% | 6.48% | -227 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.13% | 90.62% | 90.06% | 86.44% | 89.12% | 86.62% | 93.22% | 79.73% | -671 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |