Marietta, GA · Cert 26951
FDIC
Q4 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 1.07% | 1.12% | 1.21% | 1.30% | 1.36% | 1.43% | 1.53% | +32 bps | |
| Return on Equity | 11.69% | 12.29% | 12.85% | 13.96% | 15.07% | 15.89% | 16.92% | 18.17% | +421 bps | |
| Net Interest Margin | 3.46% | 3.55% | 3.59% | 3.26% | 3.86% | 3.90% | 3.68% | 3.37% | +11 bps | |
| Efficiency Ratio | 60.93% | 60.20% | 57.03% | 53.59% | 49.73% | 47.87% | 45.75% | 43.72% | -987 bps | |
| Non-Interest Burden | 1.75% | 1.78% | 1.70% | 1.44% | 1.70% | 1.62% | 1.46% | 1.29% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.48% | 10.93% | 8.53% | 10.80% | 15.33% | 20.00% | 22.98% | 17.61% | +682 bps | |
| Loan Growth (YoY) | 10.05% | 14.83% | 7.64% | 15.93% | 9.88% | 13.15% | 30.57% | 17.65% | +172 bps | |
| Deposit Growth (YoY) | 5.42% | 11.60% | 10.53% | 7.99% | 12.18% | 18.85% | 20.25% | 19.92% | +1,194 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 | -0.01% | 0.13% | 0.09% | 0.07% | 0.09% | 0.05% | 0.03% | 0.17% | +10 bps | |
| Allowance / Loans | 1.39% | 1.27% | 1.39% | 1.32% | 1.33% | 1.27% | 1.21% | 1.15% | -17 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 | 11.44% | 11.15% | 11.71% | 11.32% | 11.56% | 11.10% | 10.65% | 11.43% | +11 bps | |
| Equity / Assets | 9.00% | 8.89% | 8.61% | 8.47% | 8.73% | 8.58% | 8.05% | 8.33% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.35% | 98.48% | 83.36% | 87.38% | 91.44% | 93.76% | 90.51% | 85.73% | -166 bps | |
| Liquid Assets / Assets | 0.20% | 0.23% | 0.17% | 0.27% | 0.19% | 0.17% | 0.20% | 0.12% | -15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |