Alpharetta, GA · Cert 35469
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 | 1.55% | 0.87% | 1.16% | -10.27% | 0.37% | -5.84% | -3.18% | -8.30% | +197 bps | |
| Return on Equity | 14.97% | 8.76% | 12.22% | -130.04% | 5.72% | -96.20% | -59.26% | -202% | -7,159 bps | |
| Net Interest Margin | 4.36% | 3.91% | 3.81% | 2.31% | 2.35% | 1.54% | -0.23% | -1.20% | -351 bps | |
| Efficiency Ratio | 43.43% | 49.87% | 43.46% | 63.44% | 53.97% | 106.59% | n/a | n/a | n/a | |
| Non-Interest Burden | 1.78% | 1.87% | 1.59% | 1.41% | 1.21% | 1.65% | 2.70% | 1.62% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 53.65% | 49.16% | 37.48% | 29.89% | 27.94% | 7.99% | -0.39% | -10.69% | -4,058 bps | |
| Loan Growth (YoY) | 47.78% | 44.46% | 29.34% | 26.00% | 16.37% | -0.32% | -10.62% | -17.24% | -4,324 bps | |
| Deposit Growth (YoY) | 38.48% | 38.00% | 20.09% | 22.58% | 32.46% | 7.46% | 11.02% | -3.55% | -2,613 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 | -0.02% | 0.00% | 0.00% | 13.58% | 0.01% | 5.70% | 0.08% | 1.54% | -1,204 bps | |
| Allowance / Loans | 0.93% | 1.04% | 1.09% | 2.38% | 2.58% | 4.10% | 4.85% | 4.30% | +192 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 | 11.25% | 12.35% | 12.21% | 9.68% | 10.10% | 9.00% | 8.10% | 7.06% | -262 bps | |
| Equity / Assets | 10.33% | 9.64% | 9.35% | 6.48% | 6.45% | 5.66% | 5.05% | 3.10% | -338 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.13% | 101.16% | 107.33% | 102.89% | 92.35% | 93.84% | 86.41% | 88.29% | -1,460 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.04% | 0.02% | 0.01% | 5.92% | 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 |