Milledgeville, GA · Cert 27543
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 | 1.17% | 1.08% | 0.94% | 0.96% | 1.08% | 0.87% | -0.44% | 0.65% | -31 bps | |
| Return on Equity | 6.24% | 5.84% | 5.02% | 5.13% | 5.77% | 4.63% | -2.38% | 3.63% | -150 bps | |
| Net Interest Margin | 3.66% | 3.54% | 3.47% | 3.40% | 3.40% | 3.02% | 2.15% | -0.95% | -435 bps | |
| Efficiency Ratio | 55.15% | 57.65% | 61.40% | 61.89% | 59.29% | 66.65% | 96.80% | 80.53% | +1,864 bps | |
| Non-Interest Burden | 1.80% | 1.89% | 1.95% | 1.95% | 1.83% | 1.94% | 2.19% | -1.40% | -335 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.30% | 9.73% | 0.13% | 5.87% | 2.50% | 2.10% | 0.86% | -2.79% | -866 bps | |
| Loan Growth (YoY) | 7.91% | 4.77% | 0.18% | 1.74% | 3.95% | 8.06% | 7.45% | -16.36% | -1,810 bps | |
| Deposit Growth (YoY) | -5.66% | 19.22% | -2.53% | 10.71% | 2.63% | 2.04% | 2.68% | 1.98% | -872 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 | 0.06% | 0.06% | 0.00% | -0.58% | -0.01% | 0.28% | 0.78% | -0.96% | -38 bps | |
| Allowance / Loans | 1.12% | 1.13% | 1.17% | 1.30% | 1.29% | 1.17% | 1.28% | 8.24% | +695 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 | 11.26% | 11.57% | 11.82% | 11.79% | 11.90% | 11.60% | 10.70% | 11.86% | +8 bps | |
| Equity / Assets | 18.55% | 18.56% | 18.70% | 18.64% | 18.79% | 18.70% | 18.30% | 17.54% | -110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.52% | 91.62% | 92.04% | 93.67% | 94.73% | 97.02% | 96.31% | 76.81% | -1,685 bps | |
| Liquid Assets / Assets | 0.03% | 0.02% | 0.03% | 0.02% | 0.01% | 0.02% | 0.03% | 0.03% | +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 |