Gainesville, GA · Charter 20602
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.56% | 0.51% | 0.58% | 0.64% | 0.43% | 1.57% | 1.32% | +74 bps | |
| Return on Equity | 6.66% | 6.84% | 6.44% | 7.04% | 7.72% | 6.11% | 21.14% | 17.31% | +1,026 bps | |
| Net Interest Margin | 4.10% | 3.92% | 3.63% | 3.78% | 3.78% | 3.62% | 3.65% | 3.60% | -18 bps | |
| Efficiency Ratio | 90.61% | 90.72% | 91.10% | 89.33% | 87.27% | 88.69% | 70.75% | 74.25% | -1,508 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.34% | 15.71% | 17.17% | 16.64% | 16.39% | 12.40% | 11.63% | 13.88% | -276 bps | |
| Loan Growth (YoY) | 26.42% | 23.62% | 16.74% | 12.48% | 6.92% | 13.33% | 13.31% | 10.45% | -203 bps | |
| Share Growth (YoY) | 18.81% | 15.96% | 17.59% | 17.32% | 17.54% | 13.88% | 12.45% | 14.80% | -252 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.33% | 0.58% | 0.67% | 0.47% | 1.04% | 0.67% | 0.92% | +25 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 | 0.62% | 0.49% | 0.45% | 0.38% | 0.42% | 0.39% | 0.42% | 0.44% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.90% | 8.23% | 7.95% | 8.23% | 8.25% | 7.06% | 7.45% | 7.63% | -60 bps | |
| Net Worth / Assets | 8.90% | 8.23% | 7.95% | 8.23% | 8.25% | 7.06% | 7.45% | 7.63% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.31% | 68.64% | 67.02% | 70.17% | 69.41% | 68.31% | 67.53% | 67.51% | -266 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |