Toccoa, GA · Cert 26879
FDIC
Q2 2005
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.28% | 0.10% | -0.04% | 0.02% | 0.05% | 0.34% | -0.09% | -5 bps | |
| Return on Equity | 3.00% | 2.19% | 0.73% | -0.31% | 0.16% | 0.37% | 2.59% | -0.68% | -37 bps | |
| Net Interest Margin | 3.78% | 3.76% | 3.80% | 3.79% | 3.81% | 3.78% | 4.06% | 4.07% | +29 bps | |
| Efficiency Ratio | 90.21% | 92.26% | 95.83% | 98.78% | 97.44% | 96.93% | 91.32% | 99.83% | +105 bps | |
| Non-Interest Burden | 3.28% | 3.37% | 3.60% | 3.73% | 3.68% | 3.63% | 3.63% | 4.07% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.44% | -4.60% | -14.00% | -4.62% | -5.04% | 4.74% | -1.70% | -2.52% | +210 bps | |
| Loan Growth (YoY) | -4.97% | -1.22% | 2.62% | 5.13% | -5.62% | 5.01% | 2.64% | -3.23% | -835 bps | |
| Deposit Growth (YoY) | -8.26% | -5.23% | -16.05% | -5.08% | -5.91% | 5.52% | -1.69% | -4.73% | +36 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 | 0.03% | 0.13% | 0.08% | 0.16% | 0.28% | 0.21% | -0.03% | -0.04% | -20 bps | |
| Allowance / Loans | 1.41% | 1.33% | 1.35% | 1.35% | 1.35% | 1.21% | 1.28% | 1.42% | +8 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 | 21.18% | 20.82% | 20.96% | 20.95% | 21.94% | 19.92% | 27.05% | 21.35% | +39 bps | |
| Equity / Assets | 13.16% | 13.40% | 13.65% | 13.24% | 13.80% | 12.70% | 13.70% | 13.57% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.65% | 74.22% | 75.42% | 73.73% | 71.87% | 73.86% | 78.74% | 74.89% | +116 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |