Duluth, GA · Charter 24415
Q3 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
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 | 1.17% | 1.01% | 1.02% | 1.10% | 0.59% | 0.99% | 0.98% | 0.78% | -32 bps | |
| Return on Equity | 10.24% | 8.72% | 8.58% | 8.80% | 4.81% | 7.89% | 7.43% | 5.82% | -298 bps | |
| Net Interest Margin | 1.64% | 1.32% | 1.41% | 1.43% | 0.88% | 1.07% | 1.10% | 0.91% | -52 bps | |
| Efficiency Ratio | 11.57% | 15.03% | 14.17% | 14.25% | 22.64% | 20.19% | 19.77% | 25.02% | +1,076 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.07% | 2.67% | 4.03% | -1.80% | -2.48% | -2.99% | -5.27% | -4.09% | -229 bps | |
| Loan Growth (YoY) | 0.07% | -0.38% | 1.27% | 4.98% | 4.97% | 6.04% | 6.82% | 6.51% | +153 bps | |
| Share Growth (YoY) | 5.76% | 3.70% | 2.63% | -2.97% | -2.80% | -4.14% | -5.64% | -4.24% | -126 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.49% | 0.34% | 0.24% | 0.25% | 0.17% | 0.19% | 0.28% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.82% | 0.76% | 0.75% | 0.70% | 0.64% | 0.53% | 0.46% | 0.36% | -34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.37% | 11.61% | 11.94% | 12.50% | 12.25% | 12.55% | 13.16% | 13.37% | +87 bps | |
| Net Worth / Assets | 11.37% | 11.61% | 11.94% | 12.50% | 12.25% | 12.55% | 13.16% | 13.37% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.08% | 35.79% | 37.19% | 39.28% | 38.97% | 39.59% | 42.10% | 43.69% | +441 bps | |
| Liquid Assets / Assets | 15.03% | 12.65% | 9.64% | 14.25% | 15.79% | 19.88% | 0.00% | 0.00% | -1,425 bps | |