Jasper, GA · Charter 13344
Q3 2008
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | -0.54% | -0.73% | -2.25% | -2.70% | -3.24% | -3.21% | -3.25% | -100 bps | |
| Return on Equity | 0.03% | -2.76% | -3.70% | -11.78% | -14.21% | -18.72% | -18.76% | -19.48% | -770 bps | |
| Net Interest Margin | 5.59% | 5.06% | 4.99% | 5.16% | 5.23% | 6.00% | 5.28% | 6.24% | +108 bps | |
| Efficiency Ratio | 99.92% | 109.06% | 112.08% | 136.48% | 142.71% | 115.08% | 131.48% | 133.63% | -285 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.55% | -1.79% | -2.62% | -9.39% | -8.41% | -5.32% | -6.65% | -5.10% | +429 bps | |
| Loan Growth (YoY) | -23.95% | -24.43% | -15.53% | -6.61% | -6.56% | -15.67% | -13.79% | -18.27% | -1,166 bps | |
| Share Growth (YoY) | -10.33% | -1.54% | -3.62% | -9.44% | -7.31% | -3.44% | -4.15% | -2.81% | +663 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.20% | 3.21% | 9.51% | 2.66% | 1.36% | 0.30% | 3.51% | 3.53% | +88 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% | 0.82% | 0.43% | 0.38% | 0.00% | 0.00% | 0.01% | 0.05% | -33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.87% | 19.49% | 19.62% | 19.12% | 19.03% | 17.30% | 17.09% | 16.71% | -241 bps | |
| Net Worth / Assets | 19.87% | 19.49% | 19.62% | 19.12% | 19.03% | 17.30% | 17.09% | 16.71% | -241 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.65% | 68.83% | 67.12% | 67.15% | 70.22% | 60.12% | 60.36% | 56.46% | -1,068 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |