Duluth, GA · Cert 34559
FDIC
Q1 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.60% | 1.25% | 0.57% | 1.60% | 1.45% | 1.44% | 0.91% | 0.22% | -138 bps | |
| Return on Equity | 18.72% | 15.00% | 6.91% | 20.08% | 17.77% | 17.07% | 10.57% | 2.28% | -1,780 bps | |
| Net Interest Margin | 4.26% | 4.20% | 1.24% | 4.20% | 3.99% | 4.00% | 3.97% | 0.98% | -322 bps | |
| Efficiency Ratio | 41.01% | 46.38% | 31.17% | 36.07% | 35.53% | 37.03% | 40.48% | 65.20% | +2,913 bps | |
| Non-Interest Burden | 1.58% | 1.79% | 0.38% | 1.52% | 1.42% | 1.48% | 1.61% | 0.62% | -90 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.46% | 31.50% | 26.70% | 22.79% | 16.83% | 3.38% | -2.72% | -14.02% | -3,681 bps | |
| Loan Growth (YoY) | 35.21% | 28.32% | 23.10% | 21.58% | 12.14% | 1.29% | 2.59% | -14.21% | -3,580 bps | |
| Deposit Growth (YoY) | 31.46% | 32.00% | 28.16% | 22.91% | 16.17% | 1.91% | -4.04% | -14.89% | -3,780 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 | 0.00% | 0.01% | 0.00% | 0.00% | 0.51% | 0.50% | 0.41% | 7.47% | +747 bps | |
| Allowance / Loans | 0.98% | 1.26% | 1.27% | 1.26% | 1.12% | 1.16% | 2.01% | 0.63% | -62 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 | 10.50% | 10.13% | 9.32% | 10.16% | 10.25% | 11.12% | 11.27% | 4.11% | -605 bps | |
| Equity / Assets | 8.33% | 7.80% | 7.82% | 8.09% | 8.52% | 9.29% | 9.56% | 9.61% | +152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.55% | 89.17% | 88.71% | 84.99% | 90.31% | 88.63% | 94.84% | 85.66% | +67 bps | |
| Liquid Assets / Assets | 0.73% | 0.68% | 0.63% | 2.14% | 0.58% | 2.25% | 0.59% | 0.27% | -186 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |