Macon, GA · Cert 34309
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.
Macon, GA · Cert 34309
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 | 0.86% | 1.10% | 1.04% | 0.95% | 0.74% | 0.87% | 0.74% | 0.00% | -95 bps | |
| Return on Equity | 10.12% | 12.94% | 12.31% | 11.48% | 9.37% | 10.84% | 9.20% | 0.00% | -1,148 bps | |
| Net Interest Margin | 3.94% | 4.21% | 4.33% | 4.22% | 4.40% | 4.17% | 4.09% | 0.00% | -422 bps | |
| Efficiency Ratio | 69.09% | 67.37% | 67.48% | 69.27% | 71.65% | 71.43% | 74.82% | n/a | n/a | |
| Non-Interest Burden | 2.50% | 2.50% | 2.63% | 2.69% | 2.75% | 2.41% | 2.64% | 0.00% | -269 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.77% | 11.35% | 18.50% | 34.69% | 31.45% | 31.32% | 22.16% | 12.29% | -2,240 bps | |
| Loan Growth (YoY) | 18.28% | 22.19% | 29.21% | 33.39% | 29.99% | 32.59% | 18.73% | 10.35% | -2,304 bps | |
| Deposit Growth (YoY) | 9.52% | 12.54% | 17.80% | 40.73% | 33.52% | 31.76% | 24.05% | -11.06% | -5,180 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 | 0.16% | 0.33% | 0.43% | 0.38% | -0.01% | 0.00% | -0.03% | 0.00% | -38 bps | |
| Allowance / Loans | 1.39% | 1.24% | 1.13% | 1.12% | 1.26% | 1.23% | 1.34% | 1.35% | +23 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 | 11.73% | 12.12% | 11.59% | 12.13% | 11.48% | 11.05% | 10.98% | 9.74% | -238 bps | |
| Equity / Assets | 8.73% | 8.42% | 8.16% | 7.79% | 8.06% | 8.17% | 8.11% | 19.16% | +1,137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.90% | 99.23% | 101.68% | 89.04% | 94.34% | 99.86% | 97.32% | 110.48% | +2,143 bps | |
| Liquid Assets / Assets | 0.17% | 0.25% | 0.56% | 0.62% | 0.77% | 0.39% | 0.55% | 0.39% | -23 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |