Atlanta, GA · Cert 57219
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.94% | 1.02% | 0.90% | 0.36% | -1.68% | -0.83% | -3.38% | -3.78% | -414 bps | |
| Return on Equity | -13.80% | 5.37% | 4.98% | 2.05% | -9.20% | -4.45% | -18.14% | -20.83% | -2,288 bps | |
| Net Interest Margin | -9.42% | 3.54% | 3.57% | 3.32% | 2.66% | 2.41% | 2.44% | 2.09% | -123 bps | |
| Efficiency Ratio | 50.67% | 54.10% | 55.09% | 63.10% | 80.73% | 88.18% | 93.16% | 114.56% | +5,146 bps | |
| Non-Interest Burden | -5.58% | 1.93% | 2.02% | 2.20% | 2.23% | 2.22% | 2.37% | 2.46% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 47.61% | 45.95% | 47.64% | 41.91% | 18.02% | 16.10% | 9.23% | 11.56% | -3,035 bps | |
| Loan Growth (YoY) | 34.77% | 45.46% | 46.02% | 40.49% | 31.37% | 22.52% | 13.51% | 6.70% | -3,379 bps | |
| Deposit Growth (YoY) | 30.27% | 27.66% | 33.24% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.00% | 0.00% | 0.00% | 0.29% | 1.83% | 1.97% | 1.96% | +196 bps | |
| Allowance / Loans | 1.36% | 1.36% | 1.16% | 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 | 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 | 11.80% | 11.31% | 10.82% | 11.45% | 12.07% | 12.49% | 12.50% | 13.46% | +201 bps | |
| Equity / Assets | 19.44% | 18.67% | 17.58% | 17.75% | 18.71% | 18.72% | 18.59% | 17.73% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.83% | 102.81% | 102.28% | 111.01% | 108.75% | 109.37% | 114.00% | 118.00% | +699 bps | |
| Liquid Assets / Assets | 1.35% | 3.90% | 5.20% | 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 | n/a | n/a | n/a |