Peachtree City, GA · Cert 26805
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Peachtree City, GA · Cert 26805
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 | 0.74% | 0.84% | 1.75% | 2.40% | 2.18% | 2.04% | 0.98% | 1.46% | -93 bps | |
| Return on Equity | 7.47% | 8.28% | 15.43% | 21.69% | 20.13% | 19.17% | 9.77% | 14.05% | -764 bps | |
| Net Interest Margin | 4.77% | 4.83% | 5.00% | 5.18% | 5.04% | 5.03% | 5.05% | 5.06% | -12 bps | |
| Efficiency Ratio | 58.28% | 59.53% | 53.57% | 55.74% | 56.71% | 56.66% | 58.68% | 59.89% | +415 bps | |
| Non-Interest Burden | 2.43% | 2.53% | 2.20% | 2.50% | 2.51% | 2.52% | 2.69% | 2.77% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.69% | -11.43% | -8.84% | -0.19% | 2.67% | 6.02% | 4.79% | -5.90% | -570 bps | |
| Loan Growth (YoY) | -17.41% | -16.83% | -14.50% | -2.88% | 5.66% | 8.27% | 8.03% | -6.18% | -330 bps | |
| Deposit Growth (YoY) | -5.51% | -10.47% | -6.64% | -2.37% | -2.59% | 0.49% | 4.52% | -4.85% | -248 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 | 0.61% | 0.64% | 0.04% | 0.65% | 0.54% | 0.70% | 0.82% | 1.13% | +47 bps | |
| Allowance / Loans | 3.67% | 3.70% | 3.71% | 2.33% | 2.16% | 1.85% | 1.91% | 1.33% | -100 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 | 12.38% | 12.78% | 14.23% | 12.86% | 12.35% | 11.87% | 12.35% | 13.61% | +75 bps | |
| Equity / Assets | 10.50% | 11.10% | 11.53% | 10.54% | 10.26% | 9.84% | 10.32% | 11.13% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.92% | 92.58% | 93.40% | 101.23% | 99.71% | 99.75% | 96.54% | 99.82% | -141 bps | |
| Liquid Assets / Assets | 0.00% | 0.02% | 0.01% | 0.00% | 0.02% | 0.04% | 0.04% | 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 |