Atlanta, GA · Charter 67631
Q3 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.95% | -0.85% | -1.47% | -2.04% | -2.39% | -2.80% | -3.10% | -3.41% | -137 bps | |
| Return on Equity | -7.27% | -3.12% | -5.40% | -7.76% | -9.19% | -11.36% | -13.20% | -14.46% | -670 bps | |
| Net Interest Margin | 2.75% | 3.83% | 3.77% | 3.08% | 2.98% | 2.40% | 2.29% | 2.28% | -80 bps | |
| Efficiency Ratio | 110.23% | 101.12% | 113.57% | 149.14% | 146.57% | 174.16% | 178.86% | 185.98% | +3,684 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.49% | 0.74% | 1.32% | -2.53% | -3.91% | -3.31% | -0.92% | -6.64% | -411 bps | |
| Loan Growth (YoY) | -17.31% | -18.43% | -23.13% | -20.80% | -23.38% | -26.80% | -27.53% | -28.00% | -720 bps | |
| Share Growth (YoY) | 2.55% | 2.91% | 4.26% | -1.48% | -1.96% | 0.91% | 4.53% | -2.92% | -144 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.34% | 0.22% | 0.15% | 0.16% | 0.94% | 0.53% | 0.82% | +67 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 | 1.07% | 0.93% | 0.81% | 0.38% | 0.60% | 0.64% | 0.93% | 1.01% | +63 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.76% | 27.33% | 27.23% | 26.26% | 25.97% | 24.64% | 23.47% | 23.55% | -270 bps | |
| Net Worth / Assets | 26.76% | 27.33% | 27.23% | 26.26% | 25.97% | 24.64% | 23.47% | 23.55% | -270 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.44% | 41.93% | 39.82% | 36.16% | 34.73% | 30.41% | 27.60% | 26.82% | -934 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |