Albany, GA · Cert 33416
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 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.
Albany, GA · Cert 33416
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 | 1.18% | 1.20% | 1.32% | 1.24% | 0.76% | 0.97% | 0.99% | 1.13% | -11 bps | |
| Return on Equity | 15.03% | 15.12% | 16.28% | 15.62% | 10.30% | 13.46% | 14.07% | 15.84% | +23 bps | |
| Net Interest Margin | 4.44% | 4.08% | 3.93% | 4.03% | 3.92% | 3.95% | 3.76% | 3.76% | -26 bps | |
| Efficiency Ratio | 51.46% | 55.72% | 56.89% | 57.14% | 62.10% | 60.49% | 60.09% | 58.44% | +130 bps | |
| Non-Interest Burden | 1.85% | 1.92% | 1.93% | 2.00% | 2.20% | 2.10% | 1.98% | 1.93% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.17% | 10.79% | 3.89% | 6.25% | 8.69% | 20.05% | 27.23% | 20.33% | +1,408 bps | |
| Loan Growth (YoY) | 10.24% | 8.23% | 2.49% | 8.47% | 9.93% | 21.07% | 33.18% | 25.48% | +1,702 bps | |
| Deposit Growth (YoY) | -6.08% | 14.00% | 11.07% | 6.17% | 20.01% | 24.34% | 36.50% | 34.22% | +2,806 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 | 0.26% | 0.18% | 0.19% | 0.20% | -0.02% | 0.01% | 0.03% | -0.01% | -22 bps | |
| Allowance / Loans | 1.69% | 1.67% | 1.46% | 1.43% | 1.53% | 1.48% | 1.43% | 1.39% | -3 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 | 11.06% | 11.43% | 11.90% | 10.55% | 10.44% | 10.02% | 9.71% | 10.88% | +32 bps | |
| Equity / Assets | 7.95% | 8.08% | 8.51% | 7.47% | 7.25% | 6.85% | 6.64% | 7.50% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 125.95% | 103.59% | 112.20% | 124.04% | 115.36% | 100.86% | 109.47% | 115.96% | -808 bps | |
| Liquid Assets / Assets | 0.01% | 0.18% | 0.18% | 0.16% | 0.18% | 0.30% | 0.28% | 1.16% | +100 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |