Haddock, GA · Cert 11294
FDIC
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Haddock, GA · Cert 11294
FDIC
Q1 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.08% | -0.16% | 0.43% | -1.31% | -0.70% | -0.36% | 0.14% | -0.48% | +82 bps | |
| Return on Equity | -1.02% | -2.05% | 5.55% | -15.57% | -8.33% | -4.25% | 1.70% | -5.67% | +990 bps | |
| Net Interest Margin | 4.91% | 4.86% | 4.87% | 4.91% | 4.75% | 4.67% | 4.89% | 4.09% | -82 bps | |
| Efficiency Ratio | 100.64% | 102.23% | 91.15% | 118.92% | 110.34% | 105.07% | 96.86% | 107.58% | -1,134 bps | |
| Non-Interest Burden | 4.95% | 5.00% | 4.33% | 6.06% | 5.35% | 4.96% | 4.71% | 4.49% | -157 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.98% | -11.41% | -6.15% | -5.29% | -5.21% | -5.54% | 1.12% | 0.86% | +614 bps | |
| Loan Growth (YoY) | -13.51% | -9.42% | -4.80% | -6.57% | -6.34% | -9.59% | -7.47% | -4.03% | +254 bps | |
| Deposit Growth (YoY) | -15.13% | -12.29% | -7.11% | -6.17% | -5.80% | -6.31% | 1.07% | 0.56% | +673 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 | 0.00% | 0.00% | 1.76% | 0.48% | 1.45% | 0.93% | 0.80% | 0.00% | -48 bps | |
| Allowance / Loans | 2.89% | 2.91% | 1.36% | 1.44% | 0.85% | 0.95% | 0.80% | 0.88% | -57 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 | 17.72% | 17.67% | 18.47% | 18.72% | 18.03% | 19.54% | 18.77% | 19.71% | +99 bps | |
| Equity / Assets | 7.71% | 7.79% | 8.52% | 8.24% | 8.28% | 8.57% | 8.57% | 8.51% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 37.37% | 37.87% | 39.29% | 37.06% | 37.16% | 36.54% | 35.97% | 35.37% | -169 bps | |
| Liquid Assets / Assets | 22.61% | 23.08% | 23.49% | 23.59% | 23.71% | 24.28% | 15.17% | 15.28% | -831 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |