Atlanta, GA · Charter 17273
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 | -0.38% | -0.42% | -0.54% | -0.35% | -0.46% | -1.79% | -1.60% | -1.19% | -83 bps | |
| Return on Equity | -2.05% | -2.37% | -3.05% | -1.96% | -2.62% | -10.34% | -9.11% | -6.32% | -437 bps | |
| Net Interest Margin | 3.78% | 3.76% | 3.87% | 4.12% | 4.07% | 4.28% | 4.85% | 5.17% | +104 bps | |
| Efficiency Ratio | 111.60% | 111.96% | 113.30% | 108.20% | 109.74% | 113.64% | 102.75% | 102.51% | -569 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.42% | -4.70% | -3.59% | -1.46% | 0.50% | -1.46% | -3.81% | -9.09% | -763 bps | |
| Loan Growth (YoY) | 13.34% | 12.34% | 12.65% | 5.10% | 7.31% | -2.47% | -5.97% | -10.25% | -1,535 bps | |
| Share Growth (YoY) | -10.94% | -5.81% | -4.28% | -1.63% | 1.09% | -0.87% | -3.49% | -9.83% | -820 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.48% | 3.70% | 2.97% | 3.71% | 3.76% | 1.58% | 2.05% | -92 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 | 0.11% | 0.11% | 0.23% | 0.17% | 0.02% | 0.19% | 0.33% | 0.41% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.27% | 17.86% | 17.88% | 18.10% | 17.72% | 17.32% | 17.59% | 18.79% | +69 bps | |
| Net Worth / Assets | 18.27% | 17.86% | 17.88% | 18.10% | 17.72% | 17.32% | 17.59% | 18.79% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.93% | 94.93% | 96.91% | 97.78% | 98.65% | 93.40% | 94.42% | 97.32% | -45 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |