Villa Rica, GA · Cert 34391
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 | 0.51% | -7.75% | 0.40% | -0.23% | -4.22% | -2.94% | -4.14% | 2.76% | +300 bps | |
| Return on Equity | 4.69% | -79.43% | 4.18% | -2.25% | -40.33% | -28.17% | -38.55% | 20.69% | +2,294 bps | |
| Net Interest Margin | 3.52% | 3.06% | 2.75% | 2.20% | 1.56% | 1.44% | 0.71% | -1.19% | -339 bps | |
| Efficiency Ratio | 53.63% | 57.77% | 68.68% | 103.32% | 169.83% | 164.10% | 332% | n/a | n/a | |
| Non-Interest Burden | 1.78% | 1.63% | 1.80% | 2.30% | 2.59% | 2.40% | 2.55% | -1.00% | -330 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.44% | 12.37% | 11.62% | 0.33% | -9.51% | -12.36% | -20.33% | -13.60% | -1,392 bps | |
| Loan Growth (YoY) | 16.84% | 9.97% | 9.01% | -9.18% | -18.45% | -27.14% | -35.92% | -47.69% | -3,850 bps | |
| Deposit Growth (YoY) | 16.88% | 18.35% | 11.47% | 1.82% | -8.63% | -14.46% | -16.34% | -15.28% | -1,710 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 | 0.36% | 4.32% | 0.60% | 2.09% | 3.50% | 15.61% | 6.50% | -9.13% | -1,122 bps | |
| Allowance / Loans | 0.92% | 4.17% | 4.13% | 4.29% | 5.80% | 4.01% | 4.92% | 21.79% | +1,750 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 | 10.48% | 8.54% | 10.39% | 10.95% | 10.04% | 10.59% | 10.57% | 10.25% | -70 bps | |
| Equity / Assets | 10.63% | 8.87% | 10.20% | 10.68% | 10.26% | 10.65% | 10.82% | 15.85% | +518 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.25% | 97.40% | 97.55% | 89.40% | 87.68% | 82.97% | 74.72% | 55.20% | -3,419 bps | |
| Liquid Assets / Assets | 0.41% | 0.39% | 0.38% | 1.53% | 3.86% | 4.06% | 0.71% | 0.03% | -150 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |