Loganville, GA · Cert 16490
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.93% | 1.82% | 1.87% | 1.73% | -2.73% | 0.08% | -5.53% | -11.54% | -1,327 bps | |
| Return on Equity | 19.12% | 18.28% | 18.92% | 17.88% | -31.20% | 1.04% | -77.61% | -230% | -24,773 bps | |
| Net Interest Margin | 4.97% | 4.65% | 4.84% | 4.32% | 1.04% | 1.67% | 1.10% | -0.99% | -531 bps | |
| Efficiency Ratio | 39.82% | 40.00% | 38.66% | 38.12% | 131.86% | 85.28% | 133.88% | 308% | +26,994 bps | |
| Non-Interest Burden | 1.81% | 1.59% | 1.69% | 1.44% | 1.47% | 1.43% | 1.49% | 2.07% | +63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.67% | 20.36% | 20.69% | 21.60% | 26.38% | 25.01% | 20.64% | 12.11% | -949 bps | |
| Loan Growth (YoY) | 19.39% | 22.10% | 16.27% | 17.78% | 19.67% | 18.13% | 18.28% | 4.87% | -1,291 bps | |
| Deposit Growth (YoY) | 21.85% | 20.79% | 24.59% | 22.85% | 28.87% | 28.43% | 25.88% | 22.78% | -7 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% | 0.00% | 0.01% | 0.42% | 0.25% | 0.19% | 2.20% | +218 bps | |
| Allowance / Loans | 1.50% | 1.51% | 1.57% | 1.50% | 2.19% | 2.12% | 4.64% | 9.11% | +761 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 | 12.07% | 11.93% | 11.93% | 11.29% | 10.20% | 9.72% | 8.48% | 5.39% | -590 bps | |
| Equity / Assets | 9.99% | 9.93% | 9.85% | 9.49% | 8.07% | 7.78% | 6.49% | 3.57% | -593 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.08% | 98.47% | 95.62% | 98.08% | 91.08% | 90.57% | 89.85% | 83.77% | -1,431 bps | |
| Liquid Assets / Assets | 0.17% | 0.15% | 0.14% | 0.04% | 0.10% | 0.06% | 0.06% | 0.06% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |