Carrollton, GA · Cert 16591
FDIC
Q3 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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.61% | 0.34% | 0.26% | 0.05% | 0.83% | -1.55% | -2.42% | -268 bps | |
| Return on Equity | 12.04% | 7.96% | 4.52% | 3.48% | 0.72% | 10.67% | -19.81% | -30.10% | -3,358 bps | |
| Net Interest Margin | 3.96% | 3.60% | 3.72% | 3.66% | 3.64% | 3.15% | 2.96% | 2.93% | -72 bps | |
| Efficiency Ratio | 55.80% | 66.74% | 63.26% | 64.06% | 66.04% | 72.41% | 94.13% | 137.86% | +7,380 bps | |
| Non-Interest Burden | 1.81% | 2.08% | 2.00% | 2.03% | 2.12% | 1.99% | 2.77% | 3.88% | +185 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 | 0.82% | 0.36% | 0.72% | 0.75% | 1.78% | 0.45% | 2.98% | 3.03% | +228 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 |