Tifton, GA · Cert 16987
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 | 2.03% | 1.59% | 1.48% | 2.18% | 1.67% | 1.79% | 1.64% | 2.00% | -19 bps | |
| Return on Equity | 21.26% | 17.52% | 15.73% | 22.23% | 17.94% | 20.20% | 18.21% | 22.08% | -15 bps | |
| Net Interest Margin | 4.45% | 4.70% | 4.48% | 4.43% | 4.28% | 4.85% | 4.89% | 4.86% | +43 bps | |
| Efficiency Ratio | 52.66% | 50.13% | 51.81% | 50.59% | 53.97% | 55.02% | 54.38% | 51.66% | +107 bps | |
| Non-Interest Burden | 1.73% | 1.73% | 1.69% | 1.45% | 1.73% | 2.15% | 2.15% | 2.02% | +57 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% | 0.48% | 0.78% | 0.44% | 0.04% | -0.15% | 0.25% | -0.03% | -48 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 |