Albany, GA · Cert 33416
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.21% | 1.54% | 1.04% | 0.76% | 1.17% | 1.03% | 1.48% | +44 bps | |
| Return on Equity | 15.03% | 15.15% | 18.59% | 12.96% | 10.30% | 16.60% | 15.23% | 20.94% | +798 bps | |
| Net Interest Margin | 4.44% | 3.74% | 3.84% | 4.12% | 3.92% | 4.24% | 4.12% | 4.13% | +1 bps | |
| Efficiency Ratio | 51.46% | 60.81% | 59.40% | 57.86% | 62.10% | 59.17% | 59.38% | 53.92% | -394 bps | |
| Non-Interest Burden | 1.85% | 2.01% | 2.04% | 2.11% | 2.20% | 2.13% | 2.14% | 1.95% | -16 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% | 0.10% | 0.21% | 0.27% | -0.02% | 0.04% | 0.06% | -0.14% | -41 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 |