Winder, GA · Cert 34594
FDIC
Q2 2009
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.04% | -0.68% | -0.79% | -3.57% | -4.81% | -2.20% | -4.68% | -389 bps | |
| Return on Equity | 7.41% | 0.36% | -7.47% | -8.77% | -42.64% | -62.32% | -48.36% | -117.55% | -10,878 bps | |
| Net Interest Margin | 3.81% | 3.43% | 2.18% | 1.76% | 1.53% | 1.14% | -0.17% | 0.19% | -157 bps | |
| Efficiency Ratio | 71.87% | 76.30% | 136.38% | 161.92% | n/a | 716% | n/a | n/a | n/a | |
| Non-Interest Burden | 2.67% | 2.56% | 3.03% | 2.89% | 4.83% | 3.51% | 4.32% | 5.98% | +309 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.72% | 13.66% | 11.08% | -1.29% | 0.39% | -5.12% | -6.54% | -13.95% | -1,266 bps | |
| Loan Growth (YoY) | 23.50% | 14.18% | 1.28% | -6.02% | -14.36% | -20.38% | -26.13% | -25.63% | -1,962 bps | |
| Deposit Growth (YoY) | 26.63% | 17.97% | 15.32% | 1.22% | 4.39% | -0.50% | -1.45% | -8.36% | -958 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% | 0.00% | 0.72% | 1.71% | 1.18% | 4.72% | 2.89% | 3.85% | +215 bps | |
| Allowance / Loans | 1.05% | 2.06% | 2.06% | 1.51% | 2.45% | 2.31% | 2.57% | 1.62% | +12 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 | 11.98% | 11.78% | 11.49% | 11.28% | 9.06% | 6.90% | 6.26% | 4.51% | -677 bps | |
| Equity / Assets | 9.80% | 9.31% | 8.99% | 8.65% | 6.56% | 4.91% | 4.20% | 2.73% | -592 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.99% | 91.50% | 84.47% | 80.36% | 76.29% | 73.22% | 63.32% | 65.22% | -1,515 bps | |
| Liquid Assets / Assets | 0.01% | 0.02% | 0.02% | 0.01% | 0.02% | 0.00% | 0.03% | 0.01% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |