Ashburn, GA · Cert 8023
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.73% | 0.72% | 0.89% | 0.73% | 0.11% | 0.65% | -0.82% | -171 bps | |
| Return on Equity | 8.83% | 8.85% | 8.75% | 10.57% | 8.61% | 1.23% | 7.30% | -9.40% | -1,998 bps | |
| Net Interest Margin | 3.50% | 3.33% | 3.33% | 3.61% | 3.45% | 3.41% | 3.29% | 3.14% | -47 bps | |
| Efficiency Ratio | 65.86% | 66.65% | 66.04% | 63.18% | 66.14% | 65.00% | 71.21% | 70.17% | +699 bps | |
| Non-Interest Burden | 2.08% | 1.99% | 1.95% | 1.97% | 2.05% | 1.97% | 2.15% | 1.93% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.15% | 3.26% | 1.16% | 1.27% | 2.11% | -2.38% | -2.78% | 2.28% | +101 bps | |
| Loan Growth (YoY) | 3.56% | 5.64% | 1.47% | 5.26% | 5.34% | -1.54% | 4.23% | -1.09% | -635 bps | |
| Deposit Growth (YoY) | 1.70% | 1.90% | -0.57% | -2.37% | -0.14% | -5.21% | -5.54% | -7.69% | -532 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 | 0.12% | 0.43% | 0.13% | 0.13% | 0.17% | 0.52% | 0.35% | 1.67% | +155 bps | |
| Allowance / Loans | 1.46% | 1.41% | 1.55% | 1.55% | 1.61% | 1.98% | 1.96% | 2.43% | +88 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 | 11.14% | 10.77% | 11.16% | 10.88% | 11.05% | 11.38% | 11.60% | 11.38% | +50 bps | |
| Equity / Assets | 8.31% | 8.10% | 8.39% | 8.44% | 8.52% | 8.72% | 9.17% | 8.29% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.07% | 84.42% | 83.39% | 89.23% | 88.68% | 87.69% | 92.01% | 95.60% | +638 bps | |
| Liquid Assets / Assets | 1.09% | 0.43% | 0.41% | 0.40% | 0.79% | 1.03% | 1.04% | 1.00% | +60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |