Americus, GA · Cert 21803
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 1.47% | 1.71% | 1.72% | 1.81% | 1.28% | 1.36% | 0.45% | -127 bps | |
| Return on Equity | 17.48% | 18.66% | 21.95% | 22.24% | 22.54% | 16.03% | 18.02% | 5.98% | -1,626 bps | |
| Net Interest Margin | 4.25% | 4.30% | 4.28% | 4.12% | 3.84% | 3.66% | 3.69% | 3.57% | -55 bps | |
| Efficiency Ratio | 47.96% | 43.86% | 45.69% | 46.47% | 49.44% | 49.17% | 49.04% | 51.12% | +466 bps | |
| Non-Interest Burden | 1.67% | 1.29% | 1.50% | 1.51% | 1.49% | 1.39% | 1.38% | 1.43% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.67% | 1.50% | 2.97% | 4.04% | -0.61% | 5.41% | 4.27% | 1.97% | -206 bps | |
| Loan Growth (YoY) | 8.72% | 5.61% | 7.69% | 3.15% | -1.07% | 2.39% | 5.66% | 11.74% | +859 bps | |
| Deposit Growth (YoY) | 0.19% | 3.90% | 3.07% | 6.31% | 1.48% | 2.81% | 1.76% | 2.01% | -430 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 | 0.21% | 0.03% | 0.22% | 0.19% | -0.04% | -0.04% | -0.04% | 0.81% | +62 bps | |
| Allowance / Loans | 1.31% | 1.51% | 1.45% | 1.43% | 1.25% | 1.28% | 1.29% | 1.54% | +11 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 | 11.74% | 11.58% | 11.34% | 11.31% | 11.26% | 10.79% | 10.45% | 10.19% | -111 bps | |
| Equity / Assets | 7.95% | 7.81% | 7.74% | 7.75% | 8.35% | 7.64% | 7.48% | 7.67% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.27% | 86.94% | 85.77% | 79.78% | 82.15% | 86.59% | 89.06% | 87.39% | +761 bps | |
| Liquid Assets / Assets | 0.04% | 0.02% | 0.01% | 0.11% | 0.02% | 0.02% | 0.02% | 0.02% | -9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |