Atlanta, GA · Cert 27199
FDIC
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.11% | 1.14% | 1.19% | 1.28% | 1.20% | 1.23% | 1.20% | +1 bps | |
| Return on Equity | 13.38% | 13.68% | 13.70% | 14.20% | 15.05% | 11.44% | 11.73% | 11.47% | -273 bps | |
| Net Interest Margin | 3.67% | 3.87% | 3.93% | 3.97% | 4.15% | 4.31% | 3.83% | 3.99% | +2 bps | |
| Efficiency Ratio | 59.20% | 61.59% | 63.00% | 62.11% | 60.23% | 61.38% | 60.32% | 60.38% | -173 bps | |
| Non-Interest Burden | 1.87% | 2.09% | 2.17% | 2.16% | 2.23% | 2.41% | 2.12% | 2.21% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.82% | 6.63% | 4.33% | 6.60% | -3.88% | 6.00% | 24.28% | 24.65% | +1,805 bps | |
| Loan Growth (YoY) | 6.98% | 3.02% | 2.42% | 3.72% | 5.54% | 8.46% | 33.08% | 35.03% | +3,131 bps | |
| Deposit Growth (YoY) | 17.86% | 12.98% | 1.49% | 11.29% | 0.58% | 5.57% | 39.48% | 24.56% | +1,328 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 | 0.17% | 0.53% | 0.31% | 0.17% | 0.15% | 0.01% | 0.15% | 0.16% | -1 bps | |
| Allowance / Loans | 1.34% | 1.31% | 1.33% | 1.33% | 1.27% | 1.33% | 1.33% | 1.36% | +2 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 | 13.12% | 13.32% | 13.71% | 13.82% | 13.84% | 18.38% | 13.80% | 13.49% | -33 bps | |
| Equity / Assets | 7.98% | 8.30% | 8.61% | 8.74% | 9.02% | 11.87% | 10.42% | 10.56% | +181 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.54% | 76.58% | 82.61% | 78.30% | 81.37% | 78.67% | 78.81% | 84.87% | +658 bps | |
| Liquid Assets / Assets | 3.02% | 3.22% | 3.31% | 3.56% | 3.17% | 3.11% | 3.44% | 4.45% | +89 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |