Powder Springs, GA · Cert 57151
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 | 1.21% | 0.92% | 0.67% | 0.41% | 0.35% | -0.63% | -1.48% | -6.52% | -693 bps | |
| Return on Equity | 13.30% | 10.23% | 7.42% | 4.64% | 3.89% | -7.24% | -17.94% | -89.69% | -9,433 bps | |
| Net Interest Margin | 3.72% | 3.41% | 3.11% | 2.56% | 2.32% | 1.91% | 1.87% | 1.43% | -113 bps | |
| Efficiency Ratio | 42.61% | 46.53% | 57.37% | 66.43% | 70.35% | 112.65% | 88.87% | 208% | +14,109 bps | |
| Non-Interest Burden | 1.55% | 1.54% | 1.75% | 1.66% | 1.61% | 2.10% | 1.65% | 2.45% | +79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 37.70% | 25.95% | 19.54% | 16.52% | 5.91% | 9.92% | 9.24% | 2.83% | -1,369 bps | |
| Loan Growth (YoY) | 33.15% | 27.88% | 21.87% | 15.42% | 12.03% | 10.00% | 4.41% | -1.71% | -1,714 bps | |
| Deposit Growth (YoY) | 31.16% | 24.17% | 19.47% | 17.80% | 5.32% | 13.25% | 13.14% | 8.09% | -971 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 | 0.12% | 0.71% | 0.02% | 0.00% | 0.25% | 0.56% | 0.87% | 4.77% | +477 bps | |
| Allowance / Loans | 1.09% | 1.00% | 1.03% | 1.04% | 1.07% | 1.17% | 1.77% | 2.87% | +183 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 | 11.14% | 10.97% | 10.86% | 10.61% | 10.71% | 10.46% | 10.21% | 8.59% | -202 bps | |
| Equity / Assets | 8.89% | 9.05% | 9.09% | 8.77% | 8.99% | 8.47% | 8.03% | 6.49% | -228 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.95% | 101.21% | 102.52% | 102.38% | 106.31% | 98.31% | 94.61% | 93.09% | -929 bps | |
| Liquid Assets / Assets | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.17% | 5.70% | 4.26% | +426 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |