Saint Marys, GA · Cert 27544
FDIC
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.21% | 1.29% | 1.15% | -1.44% | -3.30% | -1.56% | -0.98% | -213 bps | |
| Return on Equity | 13.04% | 15.27% | 14.75% | 12.76% | -16.84% | -49.66% | -24.01% | -15.17% | -2,793 bps | |
| Net Interest Margin | 4.48% | 5.27% | 5.19% | 5.01% | 4.86% | 4.44% | 4.33% | 4.00% | -100 bps | |
| Efficiency Ratio | 61.81% | 59.10% | 58.28% | 64.31% | 62.13% | 70.36% | 69.01% | 75.96% | +1,165 bps | |
| Non-Interest Burden | 2.52% | 2.84% | 2.76% | 3.01% | 2.79% | 2.94% | 2.78% | 2.87% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.67% | 13.95% | 15.71% | 20.73% | 21.81% | 12.31% | 12.82% | 3.62% | -1,711 bps | |
| Loan Growth (YoY) | 21.25% | 22.36% | 23.38% | 23.44% | 23.63% | 14.39% | -6.15% | -18.22% | -4,166 bps | |
| Deposit Growth (YoY) | 25.56% | 17.12% | 16.37% | 15.72% | 32.98% | 26.69% | 27.59% | 20.46% | +474 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 | 0.09% | -0.17% | 0.06% | 0.05% | 3.99% | 5.83% | 3.49% | 2.43% | +238 bps | |
| Allowance / Loans | 1.35% | 1.42% | 1.39% | 1.27% | 2.11% | 2.81% | 3.66% | 3.92% | +265 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 | 11.45% | 10.87% | 13.88% | 12.87% | 9.54% | 8.02% | 8.90% | 9.64% | -323 bps | |
| Equity / Assets | 8.11% | 7.75% | 10.40% | 9.71% | 7.01% | 6.26% | 6.22% | 6.22% | -348 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.14% | 106.15% | 109.90% | 112.22% | 95.89% | 95.85% | 80.84% | 76.18% | -3,604 bps | |
| Liquid Assets / Assets | 0.74% | 0.47% | 0.47% | 0.37% | 0.31% | 0.32% | 0.00% | 0.00% | -37 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |