Americus, GA · Cert 21803
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 | 1.39% | 1.43% | 1.52% | 1.57% | 1.81% | 1.53% | 1.48% | 1.22% | -35 bps | |
| Return on Equity | 17.48% | 18.13% | 19.36% | 20.07% | 22.54% | 19.41% | 18.95% | 15.69% | -437 bps | |
| Net Interest Margin | 4.25% | 4.25% | 4.26% | 4.13% | 3.84% | 3.75% | 3.60% | 3.59% | -53 bps | |
| Efficiency Ratio | 47.96% | 45.82% | 45.78% | 45.95% | 49.44% | 49.31% | 49.22% | 49.69% | +375 bps | |
| Non-Interest Burden | 1.67% | 1.47% | 1.48% | 1.45% | 1.49% | 1.44% | 1.37% | 1.39% | -7 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% | 0.12% | 0.15% | 0.16% | -0.04% | -0.04% | -0.04% | 0.17% | +1 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 |