Hiram, GA · Cert 27163
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 | 1.48% | 1.16% | 1.19% | 1.25% | -3.58% | -1.65% | -2.67% | 1.09% | -16 bps | |
| Return on Equity | 18.69% | 14.20% | 14.11% | 14.88% | -44.88% | -21.05% | -33.57% | 8.58% | -630 bps | |
| Net Interest Margin | 4.41% | 4.09% | 4.01% | 3.84% | 2.77% | 2.39% | 1.38% | -0.88% | -471 bps | |
| Efficiency Ratio | 44.07% | 45.21% | 52.17% | 52.39% | 116.19% | 78.76% | 171.03% | n/a | n/a | |
| Non-Interest Burden | 1.53% | 1.43% | 1.74% | 1.68% | 3.11% | 1.77% | 2.53% | 0.91% | -77 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.47% | 18.04% | 12.54% | 7.43% | 2.54% | -0.30% | -4.88% | -15.28% | -2,272 bps | |
| Loan Growth (YoY) | 28.50% | 20.80% | 15.50% | 5.35% | -1.14% | -6.44% | -13.68% | -28.65% | -3,400 bps | |
| Deposit Growth (YoY) | 23.82% | 25.33% | 9.26% | 10.34% | 3.50% | -0.67% | -2.98% | -17.43% | -2,777 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 | -0.01% | 0.05% | 0.16% | 0.61% | 3.98% | 1.78% | 3.37% | -4.06% | -467 bps | |
| Allowance / Loans | 1.38% | 1.65% | 1.70% | 1.60% | 2.48% | 3.20% | 3.65% | 16.40% | +1,480 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 | 10.57% | 10.73% | 10.76% | 10.59% | 10.03% | 10.18% | 10.07% | 12.27% | +168 bps | |
| Equity / Assets | 7.91% | 8.36% | 8.48% | 8.33% | 7.61% | 8.09% | 7.83% | 18.13% | +979 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.05% | 103.83% | 105.61% | 100.52% | 94.62% | 97.81% | 93.96% | 86.85% | -1,367 bps | |
| Liquid Assets / Assets | 0.05% | 0.05% | 0.07% | 0.08% | 0.07% | 0.21% | 0.21% | 0.07% | -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 |