Gainesville, GA · Cert 27158
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.26% | 1.02% | 0.92% | 0.59% | 0.39% | -0.83% | 0.77% | -15 bps | |
| Return on Equity | 11.08% | 11.58% | 9.09% | 8.53% | 5.54% | 3.56% | -7.62% | 5.62% | -292 bps | |
| Net Interest Margin | 4.03% | 4.02% | 3.86% | 3.61% | 3.73% | 3.45% | 2.92% | -1.19% | -480 bps | |
| Efficiency Ratio | 57.14% | 59.32% | 64.04% | 63.52% | 61.33% | 67.31% | 74.08% | 85.40% | +2,189 bps | |
| Non-Interest Burden | 2.08% | 2.19% | 2.28% | 2.08% | 2.01% | 2.13% | 2.02% | -0.61% | -269 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.29% | -0.79% | -1.38% | 5.40% | 0.26% | 5.94% | -0.56% | -0.50% | -590 bps | |
| Loan Growth (YoY) | 1.64% | 0.01% | -1.68% | 6.07% | 3.62% | 6.38% | 4.22% | -10.12% | -1,618 bps | |
| Deposit Growth (YoY) | -1.03% | -7.06% | -5.25% | -0.46% | -2.32% | 2.58% | -4.96% | -21.14% | -2,068 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 | 0.17% | -0.01% | 0.09% | 0.05% | 1.03% | 1.72% | 0.01% | 0.00% | -4 bps | |
| Allowance / Loans | 1.12% | 1.06% | 1.04% | 1.00% | 1.04% | 0.90% | 1.68% | 13.06% | +1,207 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 | 10.94% | 11.47% | 11.54% | 10.52% | 10.90% | 11.03% | 11.13% | 11.22% | +71 bps | |
| Equity / Assets | 10.53% | 11.26% | 11.12% | 10.41% | 10.75% | 10.87% | 10.96% | 16.19% | +578 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.57% | 104.45% | 101.08% | 104.46% | 108.81% | 108.32% | 110.85% | 119.06% | +1,460 bps | |
| Liquid Assets / Assets | 0.06% | 0.05% | 0.05% | 0.03% | 0.04% | 0.04% | 0.01% | 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 |