Blackshear, GA · Cert 16498
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.
Blackshear, GA · Cert 16498
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 | 1.42% | 0.61% | 1.09% | 1.32% | 1.32% | 1.38% | 1.50% | 1.59% | +27 bps | |
| Return on Equity | 11.38% | 5.18% | 9.09% | 10.12% | 9.67% | 9.81% | 9.82% | 10.42% | +30 bps | |
| Net Interest Margin | 4.75% | 4.76% | 3.53% | 4.03% | 4.18% | 4.24% | 4.55% | 4.61% | +58 bps | |
| Efficiency Ratio | 53.60% | 73.24% | 48.17% | 48.38% | 50.13% | 50.40% | 48.14% | 46.59% | -179 bps | |
| Non-Interest Burden | 2.37% | 3.45% | 1.78% | 1.92% | 2.07% | 2.07% | 2.07% | 2.03% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.90% | -0.02% | 9.66% | 10.37% | 15.55% | 10.61% | 6.59% | 5.75% | -462 bps | |
| Loan Growth (YoY) | -0.08% | -5.32% | -1.98% | 5.19% | 4.67% | 13.31% | 17.20% | 11.40% | +620 bps | |
| Deposit Growth (YoY) | -2.22% | 2.67% | 6.16% | 7.07% | 12.50% | 2.33% | 6.07% | 5.44% | -163 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 | 0.40% | 0.36% | 0.00% | 0.01% | 0.01% | 0.01% | -0.01% | 0.09% | +8 bps | |
| Allowance / Loans | 1.30% | 1.26% | 1.29% | 1.31% | 1.37% | 1.32% | 1.30% | 1.33% | +2 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 | 16.95% | 11.68% | 11.83% | 12.20% | 12.90% | 12.94% | 11.80% | 12.43% | +22 bps | |
| Equity / Assets | 13.39% | 8.90% | 14.77% | 15.02% | 15.38% | 15.95% | 14.72% | 15.15% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.45% | 80.11% | 79.20% | 82.50% | 81.37% | 88.70% | 87.51% | 87.16% | +466 bps | |
| Liquid Assets / Assets | 2.10% | 0.00% | 0.00% | 0.03% | 0.03% | 0.04% | 0.04% | 0.04% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |