Cumming, GA · Cert 58151
FDIC
Q3 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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.90% | -0.70% | -0.83% | -0.50% | -0.36% | -1.03% | -0.67% | -1.87% | -137 bps | |
| Return on Equity | n/a | -2.79% | -3.65% | -2.51% | -1.91% | -6.59% | -4.30% | -12.24% | -973 bps | |
| Net Interest Margin | 3.17% | 4.72% | 4.54% | 3.31% | 3.08% | 2.81% | 3.07% | 2.64% | -66 bps | |
| Efficiency Ratio | 191.18% | 98.72% | 100.88% | 98.67% | 97.86% | 124.09% | 115.10% | 128.13% | +2,945 bps | |
| Non-Interest Burden | 6.32% | 4.65% | 4.58% | 3.26% | 3.01% | 3.54% | 3.60% | 3.48% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 169.20% | 91.39% | 93.38% | 95.39% | 41.63% | 26.77% | 0.56% | -9,283 bps | |
| Loan Growth (YoY) | n/a | 333% | 214% | 109.41% | 92.44% | 59.25% | 29.93% | 19.61% | -8,980 bps | |
| Deposit Growth (YoY) | n/a | 390% | 143.65% | 128.61% | 132.69% | 52.44% | 32.34% | 1.33% | -12,728 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.66% | +66 bps | |
| Allowance / Loans | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.02% | 1.00% | 1.31% | +31 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 | 35.00% | 26.45% | 21.34% | 19.29% | 18.72% | 18.49% | 17.84% | 16.95% | -235 bps | |
| Equity / Assets | 28.78% | 22.01% | 19.17% | 14.79% | 15.27% | 16.06% | 15.62% | 14.15% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.82% | 96.54% | 103.04% | 80.99% | 88.34% | 100.85% | 101.16% | 95.61% | +1,462 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |