Atlanta, GA · Charter 18746
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.25% | 0.29% | 0.42% | 0.50% | 0.65% | 0.83% | 0.85% | +43 bps | |
| Return on Equity | 4.67% | 2.83% | 3.17% | 4.60% | 5.23% | 6.86% | 8.76% | 8.42% | +382 bps | |
| Net Interest Margin | 3.55% | 3.48% | 3.66% | 3.61% | 3.80% | 3.91% | 4.03% | 4.06% | +46 bps | |
| Efficiency Ratio | 88.26% | 90.66% | 90.40% | 88.20% | 86.89% | 85.91% | 86.18% | 86.15% | -205 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.99% | -0.90% | -3.07% | 1.08% | -0.39% | 0.18% | 2.02% | -2.15% | -324 bps | |
| Loan Growth (YoY) | -1.74% | 0.45% | 3.16% | 8.44% | 12.70% | 13.53% | 10.43% | 7.08% | -136 bps | |
| Share Growth (YoY) | -3.67% | -0.78% | -3.34% | -2.67% | -1.65% | -1.00% | 0.80% | -0.43% | +225 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 0.52% | 0.47% | 0.65% | 0.61% | 0.31% | 0.53% | 0.41% | -24 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 | 0.54% | 0.48% | 0.49% | 0.50% | 0.52% | 0.62% | 0.54% | 0.44% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.08% | 8.89% | 9.28% | 9.11% | 9.62% | 9.46% | 9.44% | 10.13% | +102 bps | |
| Net Worth / Assets | 9.08% | 8.89% | 9.28% | 9.11% | 9.62% | 9.46% | 9.44% | 10.13% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.55% | 53.42% | 57.65% | 61.10% | 63.65% | 61.26% | 63.16% | 65.71% | +461 bps | |
| Liquid Assets / Assets | 25.39% | 22.87% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |