Tocca, GA · Charter 3995
Q1 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.34% | 0.27% | 0.09% | -0.86% | -5.52% | -7.04% | -3.18% | -327 bps | |
| Return on Equity | 2.59% | 2.37% | 1.93% | 0.64% | -6.37% | -53.80% | -90.01% | -44.21% | -4,485 bps | |
| Net Interest Margin | 4.95% | 4.67% | 4.54% | 4.53% | 4.60% | 4.60% | 4.62% | 3.93% | -60 bps | |
| Efficiency Ratio | 69.45% | 73.48% | 73.58% | 71.71% | 72.21% | 77.41% | 76.88% | 73.72% | +200 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.13% | 39.27% | 44.82% | 26.79% | 13.52% | 1.19% | -4.47% | -10.89% | -3,769 bps | |
| Loan Growth (YoY) | 94.10% | 87.98% | 69.11% | 23.82% | 7.67% | 3.60% | 0.37% | -7.75% | -3,157 bps | |
| Share Growth (YoY) | 24.44% | 48.25% | 58.43% | 41.43% | 22.06% | 6.38% | 3.67% | -4.38% | -4,581 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.68% | 6.28% | 9.30% | 6.99% | 6.52% | 4.51% | 3.95% | 1.18% | -581 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.54% | 1.39% | 1.20% | 1.22% | 0.94% | 2.31% | 3.97% | 3.69% | +247 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.63% | 14.45% | 14.09% | 13.56% | 13.53% | 10.27% | 7.82% | 7.20% | -636 bps | |
| Net Worth / Assets | 15.63% | 14.45% | 14.09% | 13.56% | 13.53% | 10.27% | 7.82% | 7.20% | -636 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.70% | 95.03% | 92.88% | 88.80% | 93.25% | 92.54% | 89.92% | 85.68% | -312 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |