Rockmart, GA · Cert 32739
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 | 0.79% | 0.98% | 0.74% | 0.61% | 0.57% | -0.26% | -2.28% | 1.98% | +137 bps | |
| Return on Equity | 10.91% | 13.94% | 10.39% | 8.44% | 7.82% | -3.48% | -30.06% | 16.17% | +773 bps | |
| Net Interest Margin | 4.20% | 4.23% | 4.12% | 3.70% | 3.60% | 3.47% | 1.95% | -1.31% | -501 bps | |
| Efficiency Ratio | 66.94% | 62.44% | 67.25% | 70.35% | 74.23% | 70.87% | 108.28% | 182.66% | +11,232 bps | |
| Non-Interest Burden | 2.61% | 2.44% | 2.62% | 2.47% | 2.63% | 2.37% | 2.15% | -0.71% | -318 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.92% | 38.87% | 41.22% | 36.93% | 25.24% | 12.17% | -5.95% | -13.17% | -5,010 bps | |
| Loan Growth (YoY) | 32.40% | 54.52% | 39.67% | 41.59% | 26.60% | 11.91% | -3.54% | -16.62% | -5,821 bps | |
| Deposit Growth (YoY) | 33.88% | 49.34% | 44.46% | 30.93% | 9.82% | 4.02% | 0.12% | -9.37% | -4,029 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% | 0.02% | -0.04% | 0.01% | 0.20% | 0.23% | 0.39% | -0.38% | -39 bps | |
| Allowance / Loans | 1.16% | 1.12% | 1.19% | 1.22% | 1.17% | 1.69% | 2.97% | 10.11% | +889 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 | 10.60% | 10.09% | 10.73% | 10.31% | 10.43% | 10.38% | 10.65% | 13.34% | +303 bps | |
| Equity / Assets | 7.10% | 7.00% | 7.21% | 7.24% | 7.46% | 7.61% | 7.54% | 17.30% | +1,006 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.31% | 98.62% | 94.11% | 106.95% | 104.11% | 106.11% | 90.67% | 98.39% | -856 bps | |
| Liquid Assets / Assets | 0.25% | 0.19% | 0.14% | 0.32% | 0.18% | 0.18% | 0.21% | 0.05% | -27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |