Norcross, GA · Cert 32736
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.79% | 0.45% | 0.79% | 1.37% | 0.93% | 0.94% | 1.09% | +30 bps | |
| Return on Equity | 8.09% | 10.45% | 5.65% | 9.40% | 15.01% | 9.94% | 10.05% | 11.25% | +185 bps | |
| Net Interest Margin | 2.60% | 2.98% | 3.10% | 3.30% | 5.00% | 3.85% | 3.85% | 3.99% | +69 bps | |
| Efficiency Ratio | 62.21% | 57.15% | 57.33% | 58.52% | 59.75% | 60.01% | 60.29% | 56.96% | -157 bps | |
| Non-Interest Burden | 1.61% | 1.69% | 1.74% | 1.89% | 2.93% | 2.28% | 2.30% | 2.21% | +32 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.07% | +7 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 |