Decatur, GA · Cert 35379
FDIC
Q3 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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.38% | 2.27% | 1.97% | 1.81% | 1.33% | 0.06% | -0.46% | -3.45% | -525 bps | |
| Return on Equity | 30.40% | 25.91% | 22.59% | 21.23% | 16.25% | 0.79% | -6.63% | -55.34% | -7,657 bps | |
| Net Interest Margin | 4.11% | 4.14% | 4.11% | 4.00% | 3.42% | 2.16% | 1.89% | 1.41% | -259 bps | |
| Efficiency Ratio | 49.05% | 52.90% | 55.51% | 57.01% | 62.83% | 85.96% | 96.95% | 123.09% | +6,607 bps | |
| Non-Interest Burden | 1.61% | 1.71% | 1.95% | 1.99% | 1.94% | 1.77% | 1.81% | 1.85% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 38.44% | 35.30% | 29.21% | 28.48% | 35.35% | 29.11% | 39.50% | 28.45% | -3 bps | |
| Loan Growth (YoY) | 40.87% | 34.88% | 28.03% | 26.88% | 34.83% | 31.78% | 34.32% | 29.27% | +239 bps | |
| Deposit Growth (YoY) | 44.94% | 43.89% | 39.46% | 29.79% | 34.43% | 30.89% | 33.33% | 31.32% | +153 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 | 0.04% | -0.05% | 0.08% | 0.05% | 0.13% | 0.08% | 0.15% | 1.79% | +175 bps | |
| Allowance / Loans | 1.19% | 1.17% | 1.14% | 1.11% | 1.01% | 1.07% | 1.16% | 2.01% | +90 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 | 11.93% | 11.31% | 11.99% | 11.33% | 10.26% | 9.93% | 8.19% | 6.16% | -517 bps | |
| Equity / Assets | 8.67% | 8.88% | 8.55% | 8.00% | 7.21% | 7.40% | 6.10% | 4.44% | -357 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.39% | 101.62% | 99.71% | 98.84% | 98.67% | 102.31% | 100.46% | 97.29% | -155 bps | |
| Liquid Assets / Assets | 0.01% | 0.17% | 0.01% | 0.04% | 0.06% | 0.05% | 0.05% | 0.04% | 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 |