Fayetteville, GA · Cert 35251
FDIC
Q1 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.20% | -2.66% | -1.88% | -1.12% | -6.18% | -8.61% | -4.64% | -276 bps | |
| Return on Equity | 7.68% | 2.36% | -33.27% | -24.16% | -14.33% | -89.30% | -156.74% | -110.82% | -8,666 bps | |
| Net Interest Margin | 3.85% | 3.81% | 2.51% | 2.09% | 1.46% | 1.30% | 0.47% | 0.28% | -181 bps | |
| Efficiency Ratio | 63.62% | 68.45% | 100.68% | 121.04% | 172.33% | 194.40% | 281% | 865% | +74,380 bps | |
| Non-Interest Burden | 2.32% | 2.53% | 2.53% | 2.55% | 2.54% | 2.69% | 4.79% | 2.81% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.03% | 2.37% | 5.68% | -6.40% | -5.07% | 6.11% | -6.36% | 0.10% | +650 bps | |
| Loan Growth (YoY) | 11.00% | 3.77% | -0.83% | -12.87% | -17.02% | -18.50% | -17.42% | -15.76% | -289 bps | |
| Deposit Growth (YoY) | -4.11% | -9.89% | 2.79% | -8.29% | -3.17% | 17.88% | 0.81% | 8.00% | +1,629 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 | 0.22% | 0.33% | 1.48% | 6.92% | 1.77% | 0.61% | 2.25% | 12.52% | +560 bps | |
| Allowance / Loans | 1.25% | 1.53% | 2.74% | 2.22% | 2.31% | 2.75% | 4.11% | 2.19% | -3 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 | 10.70% | 10.98% | 9.96% | 9.93% | 10.04% | 9.85% | 7.43% | 6.13% | -381 bps | |
| Equity / Assets | 8.11% | 8.48% | 7.55% | 8.02% | 7.66% | 6.25% | 4.68% | 3.68% | -434 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.91% | 109.56% | 95.89% | 96.24% | 91.62% | 75.74% | 78.55% | 75.07% | -2,117 bps | |
| Liquid Assets / Assets | 0.34% | 0.81% | 0.86% | 1.21% | 1.24% | 1.72% | 1.97% | 3.13% | +192 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |