Tifton, GA · Cert 16987
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Tifton, GA · Cert 16987
FDIC
Q4 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.03% | 1.82% | 1.70% | 1.82% | 1.67% | 1.73% | 1.69% | 1.77% | -5 bps | |
| Return on Equity | 21.26% | 19.20% | 17.93% | 18.99% | 17.94% | 18.75% | 18.50% | 19.38% | +39 bps | |
| Net Interest Margin | 4.45% | 4.62% | 4.50% | 4.42% | 4.28% | 4.55% | 4.62% | 4.50% | +9 bps | |
| Efficiency Ratio | 52.66% | 51.39% | 51.53% | 51.28% | 53.97% | 54.52% | 54.47% | 53.73% | +245 bps | |
| Non-Interest Burden | 1.73% | 1.74% | 1.70% | 1.61% | 1.73% | 1.94% | 1.99% | 1.92% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.44% | -1.52% | -0.86% | 2.65% | 2.81% | 5.52% | 9.91% | 11.24% | +858 bps | |
| Loan Growth (YoY) | -3.79% | -0.59% | 6.12% | 1.06% | 0.68% | 7.59% | 3.32% | 4.92% | +386 bps | |
| Deposit Growth (YoY) | -1.48% | -3.00% | -0.74% | 3.44% | 5.13% | 6.16% | 9.45% | 12.33% | +889 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 | -0.86% | -0.18% | 0.14% | 0.22% | 0.04% | -0.06% | 0.05% | 0.03% | -20 bps | |
| Allowance / Loans | 1.87% | 1.90% | 1.82% | 1.69% | 1.72% | 1.62% | 1.63% | 1.57% | -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 | 10.57% | 11.10% | 11.27% | 12.25% | 10.89% | 10.95% | 11.29% | 11.93% | -32 bps | |
| Equity / Assets | 8.91% | 9.28% | 9.60% | 10.04% | 8.62% | 9.06% | 8.91% | 9.16% | -88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.23% | 96.33% | 97.72% | 93.35% | 89.28% | 97.62% | 92.25% | 87.19% | -615 bps | |
| Liquid Assets / Assets | 0.00% | 0.15% | 0.11% | 0.13% | 0.30% | 0.54% | 0.51% | 0.97% | +84 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |