Sylvester, GA · Cert 32092
FDIC
Q2 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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.15% | 1.11% | 1.13% | 1.18% | 1.25% | 1.32% | 1.11% | -2 bps | |
| Return on Equity | 16.15% | 16.13% | 15.14% | 15.34% | 15.87% | 16.60% | 16.50% | 13.85% | -149 bps | |
| Net Interest Margin | 3.86% | 3.68% | 3.75% | 3.81% | 3.82% | 3.80% | 3.58% | 3.52% | -29 bps | |
| Efficiency Ratio | 56.14% | 55.75% | 57.68% | 57.88% | 57.09% | 56.46% | 55.89% | 54.09% | -379 bps | |
| Non-Interest Burden | 1.76% | 1.67% | 1.81% | 1.86% | 1.84% | 1.80% | 1.65% | 1.49% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.87% | 3.79% | 3.18% | 6.80% | 4.27% | 1.24% | 2.11% | 1.69% | -510 bps | |
| Loan Growth (YoY) | 4.84% | 5.13% | 5.29% | 11.51% | 7.81% | 4.14% | 3.20% | -1.16% | -1,267 bps | |
| Deposit Growth (YoY) | 9.93% | 5.38% | 6.60% | 6.57% | 3.05% | -1.01% | -2.03% | -5.12% | -1,169 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 | 0.44% | 0.42% | -0.03% | 0.07% | -0.37% | -0.09% | 0.30% | 0.39% | +32 bps | |
| Allowance / Loans | 1.30% | 1.33% | 1.38% | 1.32% | 1.65% | 1.53% | 1.48% | 1.63% | +32 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 | 10.82% | 11.02% | 11.17% | 10.58% | 10.82% | 11.23% | 11.55% | 11.52% | +95 bps | |
| Equity / Assets | 7.34% | 7.18% | 7.51% | 7.39% | 7.64% | 7.79% | 8.22% | 7.95% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.24% | 83.07% | 85.84% | 91.96% | 93.37% | 87.40% | 90.42% | 95.79% | +384 bps | |
| Liquid Assets / Assets | 0.18% | 0.23% | 0.34% | 0.12% | 0.11% | 0.90% | 0.88% | 0.91% | +79 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |