Woodstock, GA · Cert 57105
FDIC
Q2 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | -0.59% | 0.06%1 | -16.07% | -12.30% | -12.42% | -8.27% | -14.09% | +198 bps | |
| Return on Equity | 2.69% | -3.61% | 0.36% | -120.47% | -106.14% | -123.77% | -257% | -959% | -83,871 bps | |
| Net Interest Margin | 3.23% | 3.11% | 2.19% | 1.91% | 1.49% | 1.11% | -0.46% | -0.43% | -235 bps | |
| Efficiency Ratio | 63.36% | 75.48% | 97.69% | 120.79% | 157.96% | 326% | n/a | n/a | n/a | |
| Non-Interest Burden | 2.13% | 2.47% | 2.21% | 17.84% | 12.52% | 9.77% | 3.98% | 3.97% | -1,387 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 | 0.20% | 1.19% | 0.12% | 1.05% | 1.56% | 3.33% | 7.15% | 4.62% | +357 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 |