Gibson, GA · Cert 18243
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.49% | 2.04% | 1.88% | -0.89% | -3.10% | -2.29% | -1.79% | -4.66% | -377 bps | |
| Return on Equity | 30.34% | 25.00% | 23.13% | -11.33% | -39.87% | -29.57% | -27.76% | -86.14% | -7,482 bps | |
| Net Interest Margin | 5.54% | 4.91% | 4.86% | 4.02% | 0.89% | 1.31% | 0.48% | -0.06% | -408 bps | |
| Efficiency Ratio | 49.92% | 52.61% | 51.74% | 58.51% | 194.14% | 181.24% | 491% | 796% | +73,743 bps | |
| Non-Interest Burden | 2.67% | 2.51% | 2.41% | 2.40% | 1.90% | 2.44% | 2.21% | 1.63% | -77 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 35.64% | 38.20% | 34.72% | 24.83% | 13.51% | 4.80% | 31.68% | 10.92% | -1,391 bps | |
| Loan Growth (YoY) | 31.55% | 33.48% | 28.93% | 18.15% | 0.04% | -8.36% | -13.40% | -10.20% | -2,835 bps | |
| Deposit Growth (YoY) | 37.09% | 43.18% | 40.09% | 28.29% | 15.90% | 2.17% | 32.67% | 12.37% | -1,592 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 | 0.07% | 0.01% | 0.27% | 1.03% | 2.07% | 3.22% | 1.80% | 1.86% | +83 bps | |
| Allowance / Loans | 1.16% | 1.17% | 1.23% | 1.70% | 1.99% | 1.64% | 1.25% | 1.88% | +19 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 | 10.09% | 10.22% | 10.09% | 10.06% | 10.32% | 10.48% | 10.07% | 8.54% | -152 bps | |
| Equity / Assets | 8.15% | 8.19% | 8.05% | 7.67% | 7.88% | 7.60% | 5.54% | 5.25% | -242 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.58% | 95.53% | 94.22% | 93.26% | 86.82% | 85.68% | 61.50% | 74.53% | -1,873 bps | |
| Liquid Assets / Assets | 0.25% | 0.32% | 0.31% | 2.20% | 2.19% | 0.14% | 8.66% | 10.51% | +831 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |