McDonough, GA · Cert 57017
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.72% | -0.48% | -5.36% | -5.10% | -17.14% | -1,442 bps | |
| Return on Equity | -30.58% | -6.04% | -78.31% | -81.85% | -385% | -35,405 bps | |
| Net Interest Margin | 1.69% | 1.79% | 1.43% | 0.82% | 0.47% | -122 bps | |
| Efficiency Ratio | 102.03% | 102.47% | 107.45% | 380% | 336% | +23,436 bps | |
| Non-Interest Burden | 1.73% | 1.84% | 1.55% | 2.73% | 2.33% | +60 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 24.69% | 41.63% | 26.88% | 7.32% | -8.09% | -3,278 bps | |
| Loan Growth (YoY) | 22.09% | 11.01% | 2.79% | -8.98% | -14.76% | -3,684 bps | |
| Deposit Growth (YoY) | 23.94% | 41.17% | 30.90% | 13.15% | 0.47% | -2,347 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.44% | 3.02% | 5.04% | 5.20% | 2.04% | +160 bps | |
| Allowance / Loans | 2.78% | 2.39% | 3.24% | 3.56% | 9.02% | +624 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 11.68% | 11.13% | 9.69% | 9.22% | 4.46% | -722 bps | |
| Equity / Assets | 8.86% | 7.34% | 6.31% | 6.14% | 2.58% | -629 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.40% | 71.23% | 75.30% | 76.07% | 78.39% | -1,400 bps | |
| Liquid Assets / Assets | 0.23% | 0.94% | 3.20% | 2.24% | 1.84% | +162 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |