Covington, GA · Cert 18869
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 | 1.25% | 1.57% | 1.34% | 1.45% | 1.43% | 1.42% | 1.13% | 0.62% | -83 bps | |
| Return on Equity | 5.82% | 7.30% | 6.50% | 7.10% | 7.08% | 7.03% | 5.65% | 3.11% | -399 bps | |
| Net Interest Margin | 3.68% | 4.18% | 4.13% | 4.22% | 4.25% | 4.20% | 3.75% | 3.79% | -43 bps | |
| Efficiency Ratio | 50.74% | 45.76% | 48.48% | 47.62% | 47.36% | 49.20% | 52.85% | 53.61% | +599 bps | |
| Non-Interest Burden | 1.51% | 1.50% | 1.63% | 1.61% | 1.60% | 1.67% | 1.68% | 1.75% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.03% | 6.67% | 9.06% | 7.68% | 7.30% | 4.10% | 0.07% | -0.73% | -841 bps | |
| Loan Growth (YoY) | 0.76% | 4.33% | 11.97% | 11.28% | 8.77% | -0.97% | -4.45% | -3.62% | -1,489 bps | |
| Deposit Growth (YoY) | 16.41% | 11.04% | 6.43% | 10.04% | 11.17% | 12.53% | 7.88% | -1.10% | -1,115 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 | 0.33% | 0.39% | 0.24% | 0.26% | 0.37% | 0.44% | 0.18% | 0.56% | +30 bps | |
| Allowance / Loans | 1.58% | 1.44% | 1.45% | 1.53% | 1.58% | 1.50% | 1.54% | 2.02% | +49 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 | 11.92% | 11.61% | 11.05% | 11.32% | 11.11% | 11.34% | 11.13% | 10.90% | -42 bps | |
| Equity / Assets | 21.09% | 21.11% | 20.06% | 20.11% | 19.61% | 20.07% | 20.04% | 19.92% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.10% | 100.54% | 100.88% | 95.30% | 91.09% | 88.47% | 89.34% | 92.87% | -242 bps | |
| Liquid Assets / Assets | 0.06% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.02% | 0.02% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |