Carrollton, GA · Cert 16591
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 | -0.08% | 0.61% | 0.08% | 0.10% | -0.58% | 0.83% | -3.97% | -4.22% | -432 bps | |
| Return on Equity | -1.09% | 7.96% | 1.00% | 1.38% | -7.78% | 10.67% | -49.78% | -50.95% | -5,233 bps | |
| Net Interest Margin | 3.75% | 3.60% | 3.82% | 3.58% | 3.40% | 3.15% | 2.74% | 2.68% | -90 bps | |
| Efficiency Ratio | 70.34% | 66.74% | 59.90% | 65.78% | 72.72% | 72.41% | 136.40% | 485% | +41,943 bps | |
| Non-Interest Burden | 2.44% | 2.08% | 1.91% | 2.11% | 2.28% | 1.99% | 3.53% | 5.90% | +379 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.01% | -0.33% | -0.39% | 1.85% | -4.35% | -3.33% | -7.11% | -11.13% | -1,298 bps | |
| Loan Growth (YoY) | 1.21% | -0.87% | 1.08% | 0.52% | -7.30% | -8.00% | -12.25% | -14.48% | -1,500 bps | |
| Deposit Growth (YoY) | 0.95% | 4.20% | 2.44% | 2.21% | 0.69% | -8.34% | -5.90% | -5.77% | -798 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 | 1.59% | 0.36% | 1.08% | 0.81% | 4.72% | 0.45% | 5.50% | 2.91% | +210 bps | |
| Allowance / Loans | 1.57% | 1.68% | 1.99% | 2.24% | 1.92% | 1.79% | 2.46% | 3.09% | +85 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 | 10.29% | 10.89% | 10.58% | 10.40% | 10.62% | 11.05% | 11.03% | 12.14% | +174 bps | |
| Equity / Assets | 7.47% | 7.80% | 7.44% | 7.34% | 7.53% | 8.05% | 7.90% | 8.68% | +134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.04% | 95.83% | 100.40% | 97.28% | 93.02% | 96.18% | 93.62% | 88.29% | -899 bps | |
| Liquid Assets / Assets | 0.10% | 0.09% | 0.03% | 0.01% | 0.01% | 0.01% | 0.02% | 0.00% | 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 |