Atlanta, GA · Cert 57219
FDIC
Q3 2008
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.11% | -0.83% | -2.13% | -2.69% | -344 bps | |
| Return on Equity | 4.09% | 0.58% | -4.45% | -11.40% | -14.59% | -1,868 bps | |
| Net Interest Margin | 3.44% | 2.99% | 2.41% | 2.40% | 2.25% | -119 bps | |
| Efficiency Ratio | 57.26% | 62.69% | 88.18% | 90.66% | 97.35% | +4,009 bps | |
| Non-Interest Burden | 2.03% | 1.93% | 2.22% | 2.28% | 2.30% | +26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 41.91% | 18.02% | 16.10% | 9.23% | 11.56% | -3,035 bps | |
| Loan Growth (YoY) | 40.49% | 31.37% | 22.52% | 13.51% | 6.70% | -3,379 bps | |
| Deposit Growth (YoY) | 31.72% | 19.38% | 15.17% | 1.84% | 0.38% | -3,134 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.07% | 1.83% | 1.89% | 1.90% | +190 bps | |
| Allowance / Loans | 1.25% | 2.12% | 2.08% | 3.31% | 4.67% | +342 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 | 11.45% | 12.07% | 12.49% | 12.50% | 13.46% | +201 bps | |
| Equity / Assets | 17.75% | 18.71% | 18.72% | 18.59% | 17.73% | -2 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 111.01% | 108.75% | 109.37% | 114.00% | 118.00% | +699 bps | |
| Liquid Assets / Assets | 5.80% | 2.09% | 0.15% | 0.09% | 7.77% | +196 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |