Macon, GA · Cert 34309
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 | 0.86% | 1.34% | 0.93% | 0.77% | 0.74% | 1.00% | 0.49% | -2.07% | -284 bps | |
| Return on Equity | 10.12% | 15.63% | 11.22% | 9.61% | 9.37% | 12.35% | 5.98% | -14.89% | -2,450 bps | |
| Net Interest Margin | 3.94% | 4.61% | 5.07% | 5.34% | 4.40% | 3.95% | 4.27% | -12.49% | -1,783 bps | |
| Efficiency Ratio | 69.09% | 66.07% | 67.68% | 73.41% | 71.65% | 71.24% | 82.04% | n/a | n/a | |
| Non-Interest Burden | 2.50% | 2.58% | 3.20% | 3.74% | 2.75% | 2.09% | 3.28% | -8.05% | -1,179 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% | 0.51% | 0.69% | 0.34% | -0.01% | 0.02% | -0.09% | 0.09% | -25 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 |