Norcross, GA · Cert 32736
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Norcross, GA · Cert 32736
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 | 0.59% | 0.79% | 0.62% | 0.68% | 0.86% | 0.93% | 0.94% | 0.99% | +31 bps | |
| Return on Equity | 7.54% | 10.45% | 7.92% | 8.51% | 10.23% | 9.94% | 9.96% | 10.40% | +189 bps | |
| Net Interest Margin | 2.41% | 2.98% | 2.93% | 3.07% | 2.96% | 3.85% | 3.84% | 3.88% | +81 bps | |
| Efficiency Ratio | 61.27% | 57.15% | 57.25% | 57.71% | 58.59% | 60.01% | 60.15% | 59.05% | +134 bps | |
| Non-Interest Burden | 1.47% | 1.69% | 1.65% | 1.74% | 1.70% | 2.28% | 2.28% | 2.25% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.25% | 21.83% | 24.96% | 21.96% | 49.92% | 38.62% | 33.84% | 35.01% | +1,305 bps | |
| Loan Growth (YoY) | 10.51% | 27.60% | 27.09% | 31.05% | 58.47% | 43.39% | 38.51% | 37.14% | +609 bps | |
| Deposit Growth (YoY) | 12.92% | 19.73% | 25.56% | 22.33% | 56.61% | 40.57% | 36.06% | 46.11% | +2,378 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 | 0.05% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.03% | +3 bps | |
| Allowance / Loans | 1.08% | 0.96% | 1.16% | 1.19% | 1.25% | 1.24% | 1.28% | 1.29% | +10 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 | 10.10% | 9.81% | 11.05% | 11.18% | 11.20% | 11.06% | 11.48% | 11.71% | +53 bps | |
| Equity / Assets | 7.47% | 7.67% | 8.22% | 8.56% | 9.51% | 9.24% | 9.54% | 9.80% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.39% | 102.29% | 103.33% | 109.58% | 105.63% | 104.34% | 105.20% | 102.85% | -673 bps | |
| Liquid Assets / Assets | 2.30% | 2.08% | 1.79% | 1.75% | 1.26% | 1.15% | 1.07% | 0.97% | -78 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |