Dawsonville, GA · Cert 57507
FDIC
Q2 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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.78% | 1.00% | 1.02% | -0.37% | -4.76% | -0.54% | -0.15% | -117 bps | |
| Return on Equity | 3.95% | 4.33% | 5.04% | 5.19% | -1.91% | -25.11% | -3.23% | -0.85% | -604 bps | |
| Net Interest Margin | 2.33% | 2.61% | 4.33% | 4.01% | 3.91% | 3.89% | 2.53% | 0.93% | -308 bps | |
| Efficiency Ratio | 53.81% | 55.84% | 59.29% | 58.94% | 58.28% | 59.05% | 94.88% | 92.48% | +3,354 bps | |
| Non-Interest Burden | 1.20% | 1.37% | 2.49% | 2.27% | 2.19% | 6.80% | 2.54% | 0.96% | -131 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 38.12% | 56.88% | 71.09% | 44.60% | 33.79% | -3.90% | -15.84% | -30.45% | -7,505 bps | |
| Loan Growth (YoY) | 31.19% | 52.58% | 60.14% | 61.50% | 40.48% | -2.81% | -16.93% | -27.92% | -8,942 bps | |
| Deposit Growth (YoY) | 12.65% | 36.19% | 50.40% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.06% | 0.04% | 0.08% | 0.63% | 2.43% | 0.65% | 0.04% | -4 bps | |
| Allowance / Loans | 1.07% | 1.20% | 1.19% | 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 | 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 | 11.34% | 10.02% | 10.78% | 10.93% | 10.42% | 10.90% | 11.40% | 13.38% | +244 bps | |
| Equity / Assets | 23.59% | 20.23% | 19.62% | 19.18% | 19.16% | 16.49% | 17.12% | 18.91% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.12% | 92.52% | 92.13% | 90.94% | 88.88% | 89.26% | 88.00% | 93.74% | +279 bps | |
| Liquid Assets / Assets | 0.88% | 0.01% | 0.02% | 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 | n/a | n/a | n/a |