Duluth, GA · Cert 35409
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 | 1.29% | 0.35% | 1.30% | 1.10% | 0.96% | 0.88% | -0.67% | 0.73% | -37 bps | |
| Return on Equity | 7.01% | 1.93% | 7.29% | 6.36% | 5.78% | 5.49% | -4.28% | 4.18% | -218 bps | |
| Net Interest Margin | 4.02% | 3.65% | 3.81% | 3.63% | 3.47% | 3.00% | 1.93% | -1.06% | -470 bps | |
| Efficiency Ratio | 43.39% | 32.68% | 43.65% | 47.01% | 47.10% | 55.14% | 82.53% | 100.57% | +5,356 bps | |
| Non-Interest Burden | 1.74% | 1.19% | 1.68% | 1.72% | 1.62% | 1.65% | 1.63% | -0.71% | -242 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.38% | 6.55% | 12.07% | 11.44% | 17.88% | 20.09% | 15.71% | 0.07% | -1,137 bps | |
| Loan Growth (YoY) | 8.76% | 6.67% | 7.27% | 12.87% | 18.53% | 23.97% | 25.60% | 9.02% | -386 bps | |
| Deposit Growth (YoY) | 5.93% | 7.81% | 15.88% | 8.23% | 18.21% | 22.13% | 16.70% | 6.05% | -217 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 | 0.06% | 3.29% | 0.00% | 0.11% | 0.01% | 0.14% | 0.03% | -0.05% | -16 bps | |
| Allowance / Loans | 1.25% | 1.03% | 1.04% | 1.00% | 1.07% | 1.02% | 1.45% | 8.24% | +724 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 | 11.49% | 11.27% | 11.35% | 10.62% | 10.37% | 10.03% | 10.14% | 12.23% | +161 bps | |
| Equity / Assets | 18.56% | 18.13% | 17.51% | 17.05% | 16.27% | 15.72% | 15.67% | 19.36% | +231 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.05% | 101.61% | 98.49% | 104.65% | 102.33% | 103.14% | 106.01% | 107.58% | +292 bps | |
| Liquid Assets / Assets | 0.02% | 0.03% | 0.04% | 0.02% | 0.57% | 0.05% | 0.03% | 0.03% | 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 |