Dawsonville, GA · Cert 57507
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | -3.09% | -18.46% | -0.54% | 0.29% | -74 bps | |
| Return on Equity | 5.30% | -16.09% | -103.15% | -3.23% | 1.62% | -367 bps | |
| Net Interest Margin | 3.94% | 3.62% | 3.25% | 2.53% | -1.30% | -524 bps | |
| Efficiency Ratio | 58.59% | 56.79% | 62.02% | 94.88% | 102.47% | +4,388 bps | |
| Non-Interest Burden | 2.20% | 1.97% | 20.31% | 2.54% | -1.26% | -346 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 44.60% | 33.79% | -3.90% | -15.84% | -30.45% | -7,505 bps | |
| Loan Growth (YoY) | 61.50% | 40.48% | -2.81% | -16.93% | -27.92% | -8,942 bps | |
| Deposit Growth (YoY) | 53.79% | 45.60% | 0.74% | -13.03% | -30.07% | -8,386 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.12% | 1.71% | 7.69% | 0.65% | -0.66% | -78 bps | |
| Allowance / Loans | 1.19% | 3.26% | 2.08% | 2.53% | 9.25% | +806 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 | 10.93% | 10.42% | 10.90% | 11.40% | 13.38% | +244 bps | |
| Equity / Assets | 19.18% | 19.16% | 16.49% | 17.12% | 18.91% | -27 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.94% | 88.88% | 89.26% | 88.00% | 93.74% | +279 bps | |
| Liquid Assets / Assets | 0.03% | 0.03% | 0.04% | 0.04% | 0.05% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |