Vienna, GA · Cert 186
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Vienna, GA · Cert 186
FDIC
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.94% | 1.05% | 1.13% | 1.01% | 1.40% | 1.44% | 1.37% | +24 bps | |
| Return on Equity | 11.05% | 9.89% | 11.09% | 11.96% | 9.54% | 10.81% | 11.15% | 10.51% | -145 bps | |
| Net Interest Margin | 3.92% | 4.25% | 4.31% | 4.26% | 3.36% | 3.99% | 4.03% | 4.00% | -27 bps | |
| Efficiency Ratio | 70.36% | 71.68% | 70.52% | 68.49% | 66.02% | 51.25% | 51.47% | 53.36% | -1,513 bps | |
| Non-Interest Burden | 2.37% | 2.72% | 2.69% | 2.56% | 1.94% | 1.70% | 1.75% | 1.84% | -72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.36% | 21.73% | 15.14% | 16.23% | 105.40% | 111.83% | 107.75% | 92.92% | +7,669 bps | |
| Loan Growth (YoY) | 25.23% | 27.93% | 21.76% | 19.01% | 99.88% | 104.03% | 94.46% | 78.73% | +5,973 bps | |
| Deposit Growth (YoY) | 24.19% | 30.18% | 20.96% | 18.91% | 83.19% | 92.82% | 84.35% | 72.08% | +5,317 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 | 0.05% | 0.07% | 0.02% | -0.03% | -0.08% | -0.04% | 0.00% | 0.01% | +4 bps | |
| Allowance / Loans | 1.39% | 1.42% | 1.35% | 1.33% | 1.36% | 1.36% | 1.35% | 1.35% | +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 | 10.74% | 11.28% | 10.62% | 10.39% | 10.32% | 10.59% | 11.07% | 11.10% | +70 bps | |
| Equity / Assets | 9.41% | 9.69% | 9.38% | 9.24% | 13.03% | 12.83% | 12.88% | 13.46% | +422 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.08% | 87.50% | 88.80% | 90.04% | 95.02% | 92.58% | 93.67% | 93.52% | +348 bps | |
| Liquid Assets / Assets | 2.34% | 2.31% | 2.22% | 1.09% | 0.40% | 0.85% | 0.11% | 0.03% | -106 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |