Donalsonville, GA · Cert 15878
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 1.08% | 1.48% | 1.14% | 1.35% | 0.89% | 1.40% | 1.45% | +31 bps | |
| Return on Equity | 11.27% | 9.24% | 12.20% | 9.42% | 11.57% | 7.58% | 11.82% | 12.59% | +317 bps | |
| Net Interest Margin | 3.44% | 3.64% | 3.73% | 3.69% | 3.74% | 4.37% | 4.54% | 4.49% | +80 bps | |
| Efficiency Ratio | 54.07% | 55.70% | 58.16% | 55.62% | 51.94% | 56.96% | 56.00% | 50.33% | -529 bps | |
| Non-Interest Burden | 1.72% | 1.92% | 2.07% | 1.95% | 1.79% | 2.34% | 2.36% | 2.07% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.94% | -2.94% | -2.36% | -2.13% | -0.37% | -0.22% | 4.09% | 2.40% | +454 bps | |
| Loan Growth (YoY) | 7.22% | -0.54% | -4.30% | -7.22% | -5.20% | 4.02% | 7.77% | 5.01% | +1,223 bps | |
| Deposit Growth (YoY) | -1.05% | -1.75% | 0.02% | -2.37% | -0.03% | -0.53% | -0.41% | 2.90% | +527 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 | 0.46% | 1.09% | 0.01% | 0.02% | 0.06% | 0.06% | 0.27% | 0.17% | +15 bps | |
| Allowance / Loans | 1.81% | 1.68% | 1.46% | 1.54% | 1.55% | 1.68% | 1.58% | 1.67% | +12 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 | 13.21% | 13.54% | 14.23% | 15.08% | 14.22% | 14.09% | 14.13% | 15.36% | +29 bps | |
| Equity / Assets | 11.64% | 11.83% | 12.37% | 11.84% | 11.46% | 12.00% | 11.70% | 11.41% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.67% | 78.19% | 78.50% | 68.54% | 72.70% | 81.77% | 84.95% | 69.94% | +141 bps | |
| Liquid Assets / Assets | 0.25% | 0.14% | 0.14% | 0.12% | 0.42% | 0.86% | 0.82% | 0.68% | +56 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |