Rochelle, GA · Cert 10056
FDIC
Q2 2008
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.59% | 1.54% | 1.40% | 1.42% | 1.45% | 1.45% | 1.53% | 1.55% | +13 bps | |
| Return on Equity | 18.51% | 17.94% | 16.17% | 16.86% | 17.47% | 17.42% | 18.49% | 19.05% | +219 bps | |
| Net Interest Margin | 4.13% | 4.05% | 4.01% | 3.80% | 3.77% | 3.82% | 3.79% | 3.59% | -21 bps | |
| Efficiency Ratio | 48.72% | 49.76% | 53.75% | 52.90% | 51.63% | 52.57% | 53.29% | 52.37% | -52 bps | |
| Non-Interest Burden | 1.57% | 1.59% | 1.76% | 1.62% | 1.54% | 1.62% | 1.70% | 1.58% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.87% | 0.56% | -1.93% | 4.99% | 5.54% | 5.13% | 8.34% | 3.56% | -143 bps | |
| Loan Growth (YoY) | -4.65% | -1.73% | -5.05% | -0.63% | 7.30% | 2.24% | 8.97% | 2.05% | +267 bps | |
| Deposit Growth (YoY) | -1.15% | -1.71% | -3.42% | 6.01% | 5.59% | 5.11% | 8.51% | 3.86% | -215 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.54% | 1.05% | 0.51% | -0.06% | 0.05% | 0.03% | 0.15% | -36 bps | |
| Allowance / Loans | 1.48% | 1.21% | 1.02% | 0.98% | 1.28% | 1.31% | 1.28% | 1.22% | +24 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.29% | 12.49% | 12.35% | 11.32% | 11.32% | 12.04% | 11.81% | 11.51% | +18 bps | |
| Equity / Assets | 8.57% | 8.60% | 8.70% | 7.94% | 8.00% | 8.30% | 8.28% | 7.83% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.96% | 89.72% | 88.68% | 87.34% | 91.42% | 87.27% | 89.05% | 85.81% | -152 bps | |
| Liquid Assets / Assets | 0.65% | 0.63% | 0.62% | 0.54% | 0.61% | 0.40% | 0.49% | 0.71% | +17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |