Atlanta, GA · Charter 67355
Q2 2008
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
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 | 0.34% | 0.08% | 0.39% | 0.36% | 0.39% | 0.20% | 0.90% | 0.50% | +14 bps | |
| Return on Equity | 2.55% | 0.56% | 2.92% | 2.60% | 2.87% | 1.42% | 6.41% | 3.54% | +95 bps | |
| Net Interest Margin | 4.49% | 4.24% | 4.34% | 4.43% | 4.21% | 4.36% | 4.54% | 4.47% | +5 bps | |
| Efficiency Ratio | 83.38% | 89.24% | 81.99% | 83.83% | 82.96% | 82.43% | 74.21% | 82.41% | -142 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.57% | -17.11% | -12.65% | -9.12% | -3.61% | -2.35% | -2.21% | -0.64% | +848 bps | |
| Loan Growth (YoY) | 1.59% | 6.19% | 6.48% | 11.78% | 13.07% | 11.21% | 8.90% | 1.89% | -989 bps | |
| Share Growth (YoY) | -20.18% | -18.98% | -13.87% | -9.90% | -3.62% | -2.99% | -2.83% | -0.26% | +964 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.43% | 2.20% | 0.95% | 1.99% | 2.00% | 2.50% | 2.55% | 2.42% | +43 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.69% | 2.69% | 2.62% | 2.53% | 2.49% | 2.58% | 2.59% | 2.59% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.14% | 13.54% | 13.47% | 13.72% | 13.75% | 14.07% | 14.10% | 14.07% | +35 bps | |
| Net Worth / Assets | 13.14% | 13.54% | 13.47% | 13.72% | 13.75% | 14.07% | 14.10% | 14.07% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.47% | 75.82% | 75.11% | 79.24% | 81.50% | 86.92% | 84.17% | 80.95% | +171 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |