Eastman, GA · Cert 19792
FDIC
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 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.
Eastman, GA · Cert 19792
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 | 1.38% | 1.41% | 1.31% | 1.36% | 1.38% | 1.05% | 1.31% | 1.14% | -22 bps | |
| Return on Equity | 19.76% | 20.12% | 18.45% | 19.43% | 19.77% | 15.07% | 18.46% | 15.68% | -374 bps | |
| Net Interest Margin | 3.86% | 3.72% | 3.65% | 3.71% | 3.64% | 3.57% | 3.32% | 3.24% | -48 bps | |
| Efficiency Ratio | 57.33% | 57.16% | 58.17% | 57.01% | 56.31% | 58.11% | 60.51% | 61.74% | +474 bps | |
| Non-Interest Burden | 1.78% | 1.69% | 1.69% | 1.67% | 1.60% | 1.66% | 1.64% | 1.64% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.70% | 5.17% | 5.68% | 11.25% | 7.87% | 9.61% | 2.20% | -5.77% | -1,702 bps | |
| Loan Growth (YoY) | 11.70% | 7.97% | 10.38% | 13.41% | 7.33% | 6.45% | 6.03% | -3.16% | -1,657 bps | |
| Deposit Growth (YoY) | 8.17% | 6.77% | 7.03% | 10.64% | 8.09% | 9.14% | 0.55% | -5.74% | -1,638 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 | -0.05% | 0.13% | 0.41% | 0.25% | 0.24% | 0.75% | 0.08% | 0.14% | -11 bps | |
| Allowance / Loans | 1.49% | 1.41% | 1.30% | 1.15% | 1.09% | 1.17% | 1.21% | 1.22% | +7 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 | 10.30% | 10.79% | 10.92% | 10.11% | 10.29% | 10.60% | 11.14% | 11.41% | +129 bps | |
| Equity / Assets | 6.96% | 7.13% | 7.09% | 6.76% | 7.00% | 6.85% | 7.38% | 7.54% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.82% | 80.75% | 80.06% | 85.75% | 85.22% | 78.77% | 84.42% | 88.10% | +235 bps | |
| Liquid Assets / Assets | 0.16% | 0.18% | 0.16% | 0.14% | 0.20% | 0.17% | 1.42% | 1.73% | +160 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |