Mableton, GA · Cert 26651
FDIC
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 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.
Mableton, GA · Cert 26651
FDIC
Q1 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 1.45% | 1.45% | 1.09% | 0.99% | 0.99% | 0.86% | 0.19% | -90 bps | |
| Return on Equity | 19.32% | 19.00% | 18.76% | 14.04% | 12.68% | 12.76% | 10.83% | 2.27% | -1,176 bps | |
| Net Interest Margin | 3.72% | 3.67% | 3.52% | 3.34% | 3.45% | 3.44% | 3.28% | 0.90% | -244 bps | |
| Efficiency Ratio | 49.09% | 49.45% | 50.56% | 55.14% | 54.97% | 55.90% | 56.84% | 77.66% | +2,252 bps | |
| Non-Interest Burden | 1.33% | 1.33% | 1.33% | 1.48% | 1.50% | 1.54% | 1.50% | 0.63% | -85 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.96% | 11.04% | 7.89% | 12.89% | 5.83% | 3.79% | 0.35% | -3.39% | -1,627 bps | |
| Loan Growth (YoY) | 19.90% | 17.10% | 13.95% | 10.08% | 5.15% | -2.81% | -5.45% | -16.75% | -2,684 bps | |
| Deposit Growth (YoY) | 12.36% | 0.99% | -1.25% | 8.95% | 0.22% | 10.09% | 4.04% | -12.14% | -2,109 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 | 0.09% | 0.09% | 0.08% | 0.07% | 0.01% | 0.07% | 0.35% | 7.23% | +716 bps | |
| Allowance / Loans | 1.20% | 1.18% | 1.23% | 1.27% | 1.55% | 1.67% | 1.84% | 0.38% | -89 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 | 11.53% | 11.23% | 11.62% | 11.48% | 11.76% | 12.09% | 12.51% | 6.74% | -474 bps | |
| Equity / Assets | 7.68% | 7.64% | 7.99% | 7.54% | 7.83% | 7.83% | 8.32% | 8.19% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.07% | 98.63% | 100.73% | 90.74% | 97.65% | 87.07% | 91.54% | 85.98% | -477 bps | |
| Liquid Assets / Assets | 12.62% | 12.40% | 12.83% | 11.78% | 12.95% | 15.70% | 18.68% | 0.24% | -1,154 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |