Rossville, GA · Cert 18959
FDIC
Q4 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2008, the quarter ended December 31, 2008, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Rossville, GA · Cert 18959
FDIC
Q4 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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.31% | 1.28% | 1.24% | 0.95% | 0.89% | 0.06% | 0.35% | -89 bps | |
| Return on Equity | 11.30% | 12.92% | 12.31% | 11.66% | 8.27% | 7.87% | 0.50% | 3.10% | -856 bps | |
| Net Interest Margin | 4.63% | 4.72% | 4.66% | 4.76% | 4.49% | 4.42% | 4.48% | 4.55% | -21 bps | |
| Efficiency Ratio | 75.15% | 72.81% | 73.18% | 73.76% | 76.74% | 77.36% | 76.14% | 74.55% | +78 bps | |
| Non-Interest Burden | 3.31% | 3.24% | 3.21% | 3.30% | 3.26% | 3.25% | 3.22% | 3.18% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.89% | 2.74% | 1.59% | -5.23% | -7.43% | -2.49% | -2.09% | -2.99% | +224 bps | |
| Loan Growth (YoY) | 6.97% | 2.36% | -6.37% | -1.30% | -7.05% | 2.95% | 11.07% | 12.28% | +1,358 bps | |
| Deposit Growth (YoY) | 2.84% | 2.31% | 0.88% | -0.49% | -3.77% | -2.82% | -6.83% | -2.70% | -220 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 | 0.00% | 0.39% | 0.55% | 0.40% | 0.24% | 0.45% | 0.34% | 0.29% | -11 bps | |
| Allowance / Loans | 1.15% | 1.04% | 0.96% | 1.00% | 1.09% | 0.95% | 1.00% | 1.01% | +1 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 | 16.14% | 16.30% | 17.11% | 17.20% | 17.32% | 16.36% | 15.86% | 15.69% | -152 bps | |
| Equity / Assets | 10.01% | 10.03% | 11.05% | 11.46% | 11.48% | 10.82% | 10.83% | 11.47% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.25% | 73.76% | 73.55% | 76.39% | 74.63% | 78.14% | 87.68% | 88.15% | +1,176 bps | |
| Liquid Assets / Assets | 0.11% | 0.11% | 0.12% | 0.12% | 0.14% | 0.14% | 0.19% | 0.34% | +22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |