Cordele, GA · Cert 32429
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 | 0.76% | 0.93% | 1.23% | 1.25% | 2.67% | 2.03% | 1.84% | 1.73% | +48 bps | |
| Return on Equity | 9.49% | 11.33% | 14.82% | 14.80% | 29.49% | 21.69% | 19.26% | 18.14% | +334 bps | |
| Net Interest Margin | 4.04% | 4.00% | 3.99% | 3.92% | 3.92% | 4.15% | 4.35% | 4.36% | +45 bps | |
| Efficiency Ratio | 60.46% | 60.07% | 57.58% | 57.96% | 64.84% | 64.21% | 61.99% | 59.96% | +200 bps | |
| Non-Interest Burden | 1.83% | 1.80% | 1.59% | 1.63% | 2.15% | 2.27% | 2.23% | 2.11% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.67% | -7.64% | 0.85% | 1.40% | 3.44% | 6.88% | -0.11% | 11.60% | +1,020 bps | |
| Loan Growth (YoY) | -4.12% | -12.86% | -13.14% | -12.75% | -8.47% | -2.11% | 6.58% | 9.13% | +2,188 bps | |
| Deposit Growth (YoY) | -5.29% | -8.63% | 6.38% | 2.35% | 1.94% | 6.03% | -2.22% | 12.31% | +996 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 | 0.21% | 0.66% | 0.48% | 0.50% | -3.53% | -1.61% | -0.98% | -0.55% | -105 bps | |
| Allowance / Loans | 2.17% | 2.15% | 2.08% | 2.12% | 2.20% | 2.02% | 1.96% | 1.90% | -22 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 | 12.44% | 13.28% | 13.59% | 14.42% | 16.09% | 16.41% | 16.15% | 15.93% | +151 bps | |
| Equity / Assets | 8.07% | 8.73% | 8.63% | 8.92% | 9.20% | 10.00% | 10.19% | 9.46% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.64% | 90.83% | 84.38% | 83.56% | 77.79% | 83.86% | 91.98% | 81.20% | -237 bps | |
| Liquid Assets / Assets | 0.19% | 0.20% | 0.18% | 0.18% | 0.61% | 1.30% | 1.29% | 1.03% | +85 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |