Commerce, GA · Cert 57558
FDIC
Q4 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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.44% | 0.44% | 0.21% | -2.63% | -2.85% | -4.34% | -5.81% | -602 bps | |
| Return on Equity | 6.22% | 5.28% | 5.33% | 2.56% | -31.97% | -36.15% | -59.17% | -92.43% | -9,499 bps | |
| Net Interest Margin | 3.66% | 3.58% | 3.57% | 3.42% | 2.30% | 2.01% | 1.86% | 1.53% | -189 bps | |
| Efficiency Ratio | 71.52% | 76.47% | 76.61% | 80.22% | 113.97% | 128.19% | 141.72% | 178.11% | +9,789 bps | |
| Non-Interest Burden | 2.56% | 2.69% | 2.68% | 2.69% | 2.67% | 2.71% | 2.80% | 2.85% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 52.15% | 35.19% | 25.78% | 11.00% | 5.17% | 3.28% | -3.54% | 17.22% | +623 bps | |
| Loan Growth (YoY) | 61.97% | 42.58% | 29.41% | 15.08% | 7.74% | -0.34% | -6.68% | -10.21% | -2,528 bps | |
| Deposit Growth (YoY) | 55.52% | 35.13% | 33.32% | 10.78% | -0.03% | -1.01% | -2.33% | 37.37% | +2,659 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% | 0.05% | 0.19% | 0.15% | 1.77% | 2.48% | 2.30% | 3.27% | +312 bps | |
| Allowance / Loans | 1.17% | 1.15% | 1.05% | 1.37% | 2.15% | 2.75% | 3.26% | 4.33% | +296 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 | 11.19% | 10.90% | 10.54% | 10.88% | 10.53% | 9.28% | 7.57% | 4.72% | -616 bps | |
| Equity / Assets | 8.22% | 8.10% | 8.00% | 8.28% | 8.16% | 7.20% | 5.67% | 2.68% | -560 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.85% | 92.56% | 95.76% | 102.16% | 96.84% | 93.18% | 91.49% | 66.78% | -3,538 bps | |
| Liquid Assets / Assets | 0.49% | 0.09% | 0.01% | 0.09% | 0.04% | 0.12% | 0.06% | 0.80% | +71 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |