Douglasville, GA · Cert 27056
FDIC
Q3 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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.49% | 0.94% | 1.35% | 1.33% | 0.66% | -3.04% | -3.78% | -3.60% | -493 bps | |
| Return on Equity | 17.73% | 11.25% | 16.13% | 15.75% | 7.81% | -35.85% | -44.81% | -42.65% | -5,840 bps | |
| Net Interest Margin | 4.27% | 3.94% | 3.87% | 3.87% | 3.85% | 2.37% | 2.37% | 2.32% | -156 bps | |
| Efficiency Ratio | 40.32% | 40.91% | 43.25% | 44.02% | 45.24% | 108.15% | 110.60% | 148.62% | +10,460 bps | |
| Non-Interest Burden | 1.51% | 1.41% | 1.49% | 1.51% | 1.57% | 2.54% | 2.60% | 3.16% | +165 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 | 0.50% | 0.77% | 0.51% | 0.38% | 0.83% | 6.89% | 6.76% | 6.59% | +621 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 |