Douglasville, GA · Cert 27056
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.53% | 0.94% | 1.72% | 1.28% | -1.32% | -3.04% | -4.51% | -3.25% | -452 bps | |
| Return on Equity | 17.90% | 11.25% | 20.90% | 14.95% | -15.43% | -35.85% | -53.26% | -38.68% | -5,363 bps | |
| Net Interest Margin | 4.37% | 3.94% | 3.96% | 3.82% | 3.76% | 2.37% | 2.31% | 1.97% | -185 bps | |
| Efficiency Ratio | 39.85% | 40.91% | 45.49% | 45.57% | 49.12% | 108.15% | 113.18% | 433% | +38,736 bps | |
| Non-Interest Burden | 1.55% | 1.41% | 1.62% | 1.54% | 1.73% | 2.54% | 2.58% | 4.01% | +247 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.89% | 19.20% | 18.49% | 8.87% | 10.17% | -0.23% | -8.15% | -7.76% | -1,663 bps | |
| Loan Growth (YoY) | 9.19% | 20.14% | 15.73% | 7.30% | 8.32% | -5.04% | -8.23% | -6.17% | -1,347 bps | |
| Deposit Growth (YoY) | 27.60% | 22.98% | 18.63% | 13.44% | 9.64% | 2.99% | -14.92% | -1.43% | -1,487 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 | 0.79% | 0.77% | 0.25% | 0.09% | 2.17% | 6.89% | 6.31% | 6.20% | +612 bps | |
| Allowance / Loans | 1.66% | 1.59% | 1.41% | 1.49% | 2.20% | 2.02% | 2.73% | 2.17% | +68 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 | 10.81% | 10.09% | 10.47% | 10.75% | 10.51% | 10.55% | 10.07% | 10.11% | -64 bps | |
| Equity / Assets | 8.66% | 8.11% | 8.35% | 8.72% | 8.39% | 8.60% | 8.33% | 8.47% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.66% | 105.46% | 97.87% | 99.78% | 104.39% | 97.24% | 105.56% | 94.99% | -479 bps | |
| Liquid Assets / Assets | 0.08% | 0.06% | 0.11% | 0.01% | 0.01% | 0.02% | 0.02% | 0.02% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |