Woodstock, GA · Cert 57105
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | -3.67% | 0.06%1 | -32.43% | -5.54% | -12.47% | -8.27% | -20.37% | +1,206 bps | |
| Return on Equity | 0.61% | -22.74% | 0.36% | -270% | -75.26% | -226% | -257% | 22439% | +2,270,840 bps | |
| Net Interest Margin | 2.93% | 2.78% | 2.19% | 1.67% | 0.72% | 0.23% | -0.46% | -0.35% | -202 bps | |
| Efficiency Ratio | 76.90% | 133.64% | 97.69% | 157.85% | 419% | 1471% | n/a | n/a | n/a | |
| Non-Interest Burden | 2.38% | 3.52% | 2.21% | 33.50% | 2.47% | 3.67% | 3.98% | 3.44% | -3,006 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.24% | 0.16% | 4.92% | -2.41% | 13.88% | 7.13% | 2.47% | -14.39% | -1,199 bps | |
| Loan Growth (YoY) | 4.30% | 5.39% | 2.47% | 2.10% | 1.47% | -6.56% | -7.17% | -13.92% | -1,602 bps | |
| Deposit Growth (YoY) | -3.24% | -4.09% | 6.74% | 14.43% | 32.43% | 24.88% | 16.52% | -5.53% | -1,996 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 | 0.00% | 4.17% | 0.12% | 1.99% | 2.52% | 8.36% | 7.15% | 1.69% | -30 bps | |
| Allowance / Loans | 1.37% | 1.91% | 2.00% | 1.48% | 3.23% | 3.35% | 3.11% | 8.38% | +689 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 | 10.36% | 10.12% | 10.59% | 10.10% | 10.19% | 6.63% | 4.00% | -3.60% | -1,371 bps | |
| Equity / Assets | 16.41% | 15.91% | 16.08% | 7.90% | 6.87% | 4.15% | 2.23% | -2.92% | -1,082 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.30% | 98.26% | 94.39% | 91.01% | 77.62% | 73.53% | 75.20% | 82.93% | -808 bps | |
| Liquid Assets / Assets | 0.17% | 0.13% | 0.25% | 0.26% | 0.02% | 13.60% | 11.28% | 4.97% | +471 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |