Buchanan, GA · Cert 11292
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Buchanan, GA · Cert 11292
FDIC
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.13% | 1.17% | 1.14% | 1.12% | 1.10% | 2.20% | 0.90% | -24 bps | |
| Return on Equity | 11.38% | 11.58% | 12.16% | 11.92% | 11.65% | 11.55% | 23.71% | 9.80% | -211 bps | |
| Net Interest Margin | 3.90% | 3.88% | 3.78% | 3.85% | 3.77% | 3.50% | 3.21% | 3.30% | -56 bps | |
| Efficiency Ratio | 68.69% | 68.95% | 68.64% | 69.66% | 69.89% | 70.96% | 53.37% | 78.19% | +853 bps | |
| Non-Interest Burden | 2.21% | 2.21% | 2.11% | 2.21% | 2.17% | 2.06% | 0.07% | 2.00% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.54% | 2.42% | -0.04% | 5.40% | 6.48% | 10.86% | 8.92% | 4.48% | -92 bps | |
| Loan Growth (YoY) | 4.08% | 2.88% | 7.75% | 7.42% | 11.07% | 14.27% | 8.17% | 4.59% | -283 bps | |
| Deposit Growth (YoY) | 7.78% | 5.97% | 2.83% | 8.33% | 2.57% | 7.34% | 6.10% | 2.87% | -546 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 | 0.13% | 0.11% | -0.04% | 0.05% | 0.08% | 0.12% | 0.04% | 0.26% | +21 bps | |
| Allowance / Loans | 1.37% | 1.38% | 1.37% | 1.34% | 1.28% | 1.22% | 1.23% | 1.10% | -24 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 | 17.13% | 16.47% | 16.52% | 16.30% | 16.18% | 15.09% | 16.22% | 14.90% | -140 bps | |
| Equity / Assets | 10.20% | 9.53% | 9.69% | 9.52% | 9.78% | 8.94% | 9.61% | 8.99% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.54% | 71.67% | 74.88% | 75.72% | 81.80% | 76.29% | 76.34% | 76.98% | +127 bps | |
| Liquid Assets / Assets | 1.62% | 2.73% | 0.17% | 0.04% | 0.27% | 2.26% | 2.07% | 1.11% | +107 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |