Broxton, GA · Cert 19653
FDIC
Q2 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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.91% | 0.75% | 0.81% | 0.81% | 0.43% | 0.36% | -0.06% | -87 bps | |
| Return on Equity | 11.26% | 11.05% | 8.76% | 9.27% | 9.13% | 4.81% | 3.54% | -0.60% | -987 bps | |
| Net Interest Margin | 3.93% | 3.79% | 3.78% | 3.90% | 3.90% | 3.75% | 3.22% | 3.04% | -86 bps | |
| Efficiency Ratio | 55.55% | 55.86% | 60.79% | 59.51% | 58.89% | 59.70% | 64.92% | 67.42% | +791 bps | |
| Non-Interest Burden | 2.00% | 1.94% | 2.16% | 2.16% | 2.13% | 2.08% | 1.97% | 1.92% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 36.69% | 24.61% | 10.13% | 2.31% | 3.13% | -2.54% | -0.24% | 2.66% | +35 bps | |
| Loan Growth (YoY) | 38.44% | 26.09% | 8.92% | 6.75% | 2.12% | -0.51% | 0.37% | 4.82% | -194 bps | |
| Deposit Growth (YoY) | 42.66% | 28.48% | 14.65% | 3.82% | 2.63% | -4.07% | -2.75% | -3.46% | -728 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 | 0.06% | 0.19% | 0.69% | 0.53% | 0.44% | 0.58% | 1.87% | 1.50% | +97 bps | |
| Allowance / Loans | 1.16% | 1.15% | 1.15% | 1.24% | 1.25% | 1.75% | 1.61% | 1.80% | +56 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 | 10.89% | 10.76% | 11.17% | 11.58% | 11.12% | 12.19% | 13.15% | 13.25% | +167 bps | |
| Equity / Assets | 8.58% | 8.34% | 8.86% | 9.14% | 9.12% | 9.72% | 10.35% | 10.29% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.54% | 97.67% | 99.34% | 97.58% | 101.04% | 101.30% | 102.53% | 105.95% | +836 bps | |
| Liquid Assets / Assets | 1.36% | 0.33% | 0.31% | 0.23% | 0.17% | 0.13% | 0.10% | 0.04% | -19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |