Monroe, GA · Cert 14039
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 | 1.61% | 1.66% | 0.94% | 1.16% | 1.32% | 1.49% | 1.25% | 1.06% | -10 bps | |
| Return on Equity | 21.93% | 22.05% | 11.42% | 14.40% | 16.41% | 18.51% | 15.12% | 12.91% | -149 bps | |
| Net Interest Margin | 4.26% | 4.24% | 4.03% | 4.06% | 4.05% | 4.08% | 3.97% | 3.82% | -23 bps | |
| Efficiency Ratio | 47.88% | 47.55% | 51.10% | 49.49% | 48.90% | 48.03% | 49.28% | 53.17% | +367 bps | |
| Non-Interest Burden | 1.55% | 1.49% | 1.64% | 1.56% | 1.53% | 1.49% | 1.49% | 1.64% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.69% | -4.01% | -1.03% | 2.02% | 3.78% | 2.39% | 0.98% | -2.25% | -427 bps | |
| Loan Growth (YoY) | 4.92% | 2.08% | 2.77% | 5.66% | 6.28% | 6.79% | 4.36% | 1.61% | -404 bps | |
| Deposit Growth (YoY) | 4.58% | -6.82% | 0.88% | -5.40% | -6.75% | 8.33% | 1.93% | 0.64% | +604 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 | 0.11% | 0.09% | 0.68% | 0.35% | 0.28% | 0.27% | 0.04% | 0.07% | -28 bps | |
| Allowance / Loans | 1.31% | 1.30% | 1.38% | 1.44% | 1.42% | 1.25% | 1.39% | 1.52% | +8 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 | 10.96% | 11.04% | 11.07% | 10.64% | 10.50% | 10.68% | 10.76% | 10.67% | +4 bps | |
| Equity / Assets | 7.89% | 8.18% | 8.24% | 7.84% | 7.85% | 8.19% | 8.32% | 8.13% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.52% | 106.04% | 102.89% | 107.52% | 108.87% | 104.54% | 105.34% | 108.56% | +104 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.04% | 0.01% | 0.02% | 0.01% | 0.01% | 0.01% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |