Newnan, GA · Cert 57702
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.48% | 0.58% | -0.50% | -2.54% | -1.18% | -14.91% | -4.35% | -5.24% | -271 bps | |
| Return on Equity | -5.06% | 6.76% | -6.02% | -30.50% | -14.21% | -236% | -113.61% | -198.18% | -16,769 bps | |
| Net Interest Margin | 4.02% | 3.63% | 2.89% | 2.31% | 2.39% | 1.22% | 1.29% | 0.74% | -157 bps | |
| Efficiency Ratio | 69.71% | 80.48% | 96.22% | 116.18% | 101.83% | 140.84% | 303% | 380% | +26,413 bps | |
| Non-Interest Burden | 2.67% | 2.79% | 2.76% | 2.76% | 2.45% | 4.94% | 4.05% | 3.81% | +105 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 37.77% | 48.37% | 40.65% | 14.68% | -2.51% | -7.42% | -6.26% | -2.12% | -1,680 bps | |
| Loan Growth (YoY) | 46.02% | 52.06% | 40.49% | 20.62% | -2.93% | -12.76% | -16.51% | -18.53% | -3,916 bps | |
| Deposit Growth (YoY) | 36.84% | 49.28% | 41.65% | 17.64% | 2.88% | 1.15% | -0.92% | 5.01% | -1,264 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 | 0.32% | 0.08% | 0.91% | 0.53% | 1.98% | 10.34% | 3.61% | 3.20% | +267 bps | |
| Allowance / Loans | 1.54% | 1.44% | 1.57% | 2.61% | 3.23% | 3.30% | 3.13% | 3.34% | +73 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 | 12.01% | 11.26% | 11.38% | 10.84% | 10.83% | 6.57% | 5.28% | 3.77% | -707 bps | |
| Equity / Assets | 8.85% | 8.42% | 8.33% | 8.31% | 8.24% | 4.42% | 3.25% | 2.02% | -629 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.27% | 98.29% | 92.18% | 96.54% | 94.61% | 84.77% | 77.68% | 74.90% | -2,164 bps | |
| Liquid Assets / Assets | 0.27% | 0.05% | 0.11% | 0.09% | 0.06% | 0.02% | 0.02% | 4.53% | +444 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |